Planning for your retirement is getting much harder. That's why we published this highly detailed handbook - giving you the ins-and-outs of your federal retirement including all the latest federal changes, COLAs, Health Insurance, Life Insurance, Liability Insurance, Family Benefits, Survivor Benefits, Social Security, Medicare, TSP, FERS and CSRS, and Retirement Resources. It also gives you a Five-Year Retirement Plan and more! Note: This handbook is NON-REFUNDABLE (unless damaged upon receipt). Review return policy here: www.lulu.com/help/returns_policy. We strongly recommend viewing the handbook BEFORE purchasing it at http: //www.federalhandbooks.com