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COLAs vs. Pay Raises:

How your pay changes as a retiree and as an employee

— but why you should never confuse the two!

In this session, we cover:


  • PAY RAISES:  when, why and how they are applied – and what effect this has on your initial federal pension,
  • COLAs: when, why and how they are applied – and what effect this has on how your federal pension changes over time,
  • Current projections for 2021’s anticipated Pay Raises and how newly announced COLAs will be implemented, and
  • The main differences between how each are applied to CSRS and FERS – and the often significant financial impact on each.


Chris Kowalik

ProFeds Founder


In this webinar series, we share candid insights on various topics affecting federal employees on their journey to build the retirement they've imagined.

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