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 Collection: Congressional Research Service Reports
Early Withdrawals and Required Minimum Distributions in Retirement Accounts: Issues for Congress

Early Withdrawals and Required Minimum Distributions in Retirement Accounts: Issues for Congress

Date: January 7, 2011
Creator: Topoleski, John J.
Description: In response to the economic downturn, Congress considered providing relief to Americans by suspending two tax penalties on defined contribution retirement plans and Individual Retirement Accounts (IRAs). This report discusses the reasons offered in support of suspending these provisions, as well as the drawbacks. This report also presents data that estimates the number of households that these proposals would impact. Borrowing from retirement plans as an alternative to withdrawals is also discussed. Finally, the report discusses the kinds of proposals offered to either suspend or eliminate the early withdrawal penalty or the required minimum distribution provision.
Contributing Partner: UNT Libraries Government Documents Department
Veterans' Benefits: Issues in the 110th Congress

Veterans' Benefits: Issues in the 110th Congress

Date: August 15, 2008
Creator: Davis, Carol D.; Loane, Shannon S.; Peterson, Meredith; Scott, Christine; Perl, Libby & Weimer, Douglas Reid
Description: This report discusses veterans' benefits issues that are already part of the legislative agenda for the 110th Congress or are likely to be of interest to Congress. These benefits and issues fall under the jurisdiction of the Department of Veterans Affairs (VA), Veterans Benefits Administration (VBA). Also presented in this report are an overview of the benefits and their eligibility requirements, data on both the veteran population and the benefit population, and summary information on the FY2008 budget for veterans' benefits.
Contributing Partner: UNT Libraries Government Documents Department
Credit for Military Service Under Civilian Federal Employee Retirement Systems

Credit for Military Service Under Civilian Federal Employee Retirement Systems

Date: March 27, 2014
Creator: Isaacs, Katelin P.
Description: This report discusses the Crediting Military Service under the Civil Service Retirement System (CSRS) and the Federal Employees' Retirement System (FERS). Under both CSRS and FERS, federal employees who have served on active duty in the military can have their years of military service counted for retirement eligibility and pension benefits.
Contributing Partner: UNT Libraries Government Documents Department
Automatic Cost of Living Adjustments: Some Economic and Practical Considerations

Automatic Cost of Living Adjustments: Some Economic and Practical Considerations

Date: January 11, 2010
Creator: Cashell, Brian W.
Description: This report looks at how automatic cost-of-living adjustments (COLAs) influence the budget and identifies major programs that have indexing provisions. It also explains what price indexes attempt to measure and discusses some of their weaknesses. Finally, it points out some practical things to keep in mind when establishing an indexing provision.
Contributing Partner: UNT Libraries Government Documents Department
Traditional and Roth Individual Retirement Accounts (IRAs): A Primer

Traditional and Roth Individual Retirement Accounts (IRAs): A Primer

Date: February 12, 2015
Creator: Topoleski, John J.
Description: This report describes the primary features of two common retirement savings accounts that are available to individuals. Although the accounts have many features in common, they differ in some very important aspects. Both traditional and Roth IRAs offer tax incentives to encourage individuals to save for retirement.
Contributing Partner: UNT Libraries Government Documents Department
Federal Employees' Retirement System: Benefits and Financing

Federal Employees' Retirement System: Benefits and Financing

Date: May 10, 2012
Creator: Isaacs, Katelin P.
Description: Report discussing the retirement systems in place for federal employees. Most civilian federal employees who were hired before 1984 are covered by the Civil Service Retirement System, and contribute 7.0% of their pay to a retirement fund. Federal employees hired in 1984 or later are covered by the Federal Employees' Retirement System and contribute 0.8% of their pay to a retirement fund. Both require participants to contribute toward the cost of their pensions through a payroll tax. The taxable wage base is $110,100 in 2012. This report discusses both retirement funds.
Contributing Partner: UNT Libraries Government Documents Department
Federal Employees' Retirement System: Benefits and Financing

Federal Employees' Retirement System: Benefits and Financing

Date: February 14, 2012
Creator: Isaacs, Katelin P.
Description: Most civilian federal employees who were hired before 1984 are covered by the Civil Service Retirement System, and contribute 7.0% of their pay to a retirement fund. Federal employees hired in 1984 or later are covered by the Federal Employees' Retirement System and contribute 0.8% of their pay to a retirement fund. Both require participants to contribute toward the cost of their pensions through a payroll tax. The taxable wage base is $110,100 in 2012. This report discusses both retirement funds.
Contributing Partner: UNT Libraries Government Documents Department
Federal Employees' Retirement System: Benefits and Financing

Federal Employees' Retirement System: Benefits and Financing

Date: January 5, 2011
Creator: Isaacs, Katelin P.
Description: Most civilian federal employees who were hired before 1984 are covered by the Civil Service Retirement System, and contribute 7.0% of their pay to a retirement fund. Federal employees hired in 1984 or later are covered by the Federal Employees' Retirement System and contribute 0.8% of their pay to a retirement fund. Both require participants to contribute toward the cost of their pensions through a payroll tax. The taxable wage base is $106,800 in 2011. This report discusses both retirement funds.
Contributing Partner: UNT Libraries Government Documents Department
Federal Employees' Retirement System: Summary of Recent Trends

Federal Employees' Retirement System: Summary of Recent Trends

Date: January 11, 2011
Creator: Isaacs, Katelin P.
Description: This report describes recent trends in the number of civil service annuitants and the financial status of the Civil Service Retirement and Disability Fund.
Contributing Partner: UNT Libraries Government Documents Department
Military Benefits for Former Spouses: Legislation and Policy Issues

Military Benefits for Former Spouses: Legislation and Policy Issues

Date: December 9, 2004
Creator: Burrelli, David F
Description: None
Contributing Partner: UNT Libraries Government Documents Department