Benefits Overview for Staff
As a federal employee, you will enjoy the benefits of our beautiful campus along with several other benefits programs which are available to you. These benefits include insurance and retirement, most of which are available to immediately opt into upon the start of duty.
Life on Campus
You will be accorded all the privileges of a staff member commensurate with your appointment status, including use of the athletic facilities and eligibility for membership in the Naval Academy Club conveniently located on campus.
Most USNA employees are paid according to the General Schedule (GS) Classification and Pay System. Salaries may vary by geographic location. Your salary may be increased by approved annual adjustments in the Federal pay system, as well as by periodic increases based on successful performance.
You will be paid on a biweekly basis (26 pay periods a year), with your salary check sent directly to a bank or other financial institution for deposit in your checking and/or savings accounts.
There are 10 paid federal holidays each year:
- New Year's Day
- Labor Day
- Martin Luther King, Jr.'s Birthday
- Columbus Day
- Washington's Birthday
- Veterans Day
- Memorial Day
- Thanksgiving Day
- Independence Day
- Christmas Day
Federal employees earn both annual and sick leave.
Annual Leave is used for vacations, rest and relaxation, and personal business or emergencies. New full-time employees earn four hours of annual leave per biweekly pay period totaling 13 paid annual leave days a year. As you progress in your career, you will earn up to 26 days of annual leave each year.
Prior military service might count towards the time required to go into the next annual leave category.
Sick Leave may be used for personal medical needs, care of a family member, care of a family member with a serious health condition, or adoption related purposes. Full-time USNA employees earn 13 days of sick leave each year, accumulated at the rate of 4 hours per biweekly pay period.
USNA will automatically enroll you in this program, which is the equivalent to the 401K program offered in private industry. FERS is a three-tiered retirement plan.The three tiers are:
- Social Security Benefits
- Basic Benefit Plan
- Thrift Savings Plan (TSP)
Your agency will set up a Thrift Savings Plan account for you and will automatically contribute an amount equal to 1% of your basic pay each pay period. These agency automatic (1%) contributions are not taken out of your salary, and your agency makes these contributions whether or not you contribute your own money to the TSP.
You are also able to make tax-deferred contributions to the TSP and a portion is matched by the government. Your agency will invest $1 for every $1 you invest for the first 3 percent of your basic salary, and 50 cents for each $1 you invest for the next 2 percent of your basic salary. The agency contributions are not taken out of your salary; they are an extra benefit to you.
If you're in a Federal Employees' Group Life Insurance Program (FEGLI) eligible position, you're automatically enrolled in Basic Life Insurance, which is effective on the first day you enter in a pay and duty status. You do not get any optional insurance automatically - you must elect it.FEGLI Program offers:
- Basic Life Insurance - equal to your annual basic pay, rounded up to the next $1,000, plus $2,000.
- Plus three types of optional insurance
- Option A, Standard - in the amount of $10,000;
- Option B, Additional - in an amount from one to five times your annual basic pay (after rounding up to the next $1,000); and
- Option C, Family - provides coverage for your spouse and eligible dependent children.
The Federal Employees Health Benefits Program (FEHB) is one of the most valuable benefits of federal employment. It is an optional benefit, allowing you to choose coverage that best fits your needs from a wide variety of health insurance plans, including well-known national plans, HMOs, and regional providers. As a bonus, the Federal Government will share the cost of premiums with you.
Dental and Vision Insurance
The Federal Employees Dental and Vision Insurance Program (FEDVIP) offers comprehensive dental and vision benefits and is available to eligible employees, retirees, and their eligible family members on an enrollee-pay-all basis. FEDVIP is not part of the Federal Employee Health Benefits program, and it is different from any supplementary dental and vision product your FEHB plan may offer.
Flexible Spending Accounts
The Federal Flexible Spending Accounts Program (FSAFEDS) allows you to pay for certain health and dependent care expenses with pre-tax dollars. You may choose to make a voluntary allotment from your salary to your FSAFEDS account(s).
Long Term Care Insurance
The Federal Long Term Care Insurance Program (FLTCIP) provides long term care insurance for federal employees and their parents, parents-in-law, stepparents, spouses, and adult children.
- Learn More About Insurance Options