Start with the original source
For federal programs, we use information from the agency responsible for the program, such as OPM or Social Security. For insurance explanations, we use policy documents where applicable and consumer resources from insurance regulators. We identify the sources used in an article so you can read them yourself.
A broad overview may omit an exception or lag behind a program notice. When sources conflict, the specific question needs another check. A current program notice, applicable contract and the responsible administrator matter more than a general summary.
Make dates meaningful
Article dates help you judge the age of an explanation. A changed rule, process or policy can require a revision. A link check or formatting change alone is not a reason to present old information as newly updated.
Read the source's current instructions before making an election, meeting a deadline or applying for a benefit. Published summaries cannot determine your individual eligibility.
Explain who is speaking
Our articles use the Premier Protection team byline. Premier Protection is a privately owned insurance agency. We are not OPM, the Social Security Administration or another government agency, and our guides do not carry government endorsement.
An insurance conversation does not replace your agency's benefits office, a program administrator, a qualified tax professional or legal counsel. We distinguish those roles and do not recommend TSP funds or investments in our guides.
Keep product statements specific
A general explanation does not establish which policy is available to you or what a particular insurer will pay. Definitions, exclusions, underwriting and state availability need to be checked against the applicable documents. We avoid treating one carrier's terms as a rule for every policy.
Connect the next useful question
Related reading should help you follow a decision. For example, a survivor election can lead to questions about health coverage and separate beneficiary records. A keyword or a familiar phrase by itself does not make two situations equivalent.
Ask us to check a correction
If a guide appears unclear or out of date, contact our agency and identify the page and question. Leave Social Security numbers, account details, medical information and private documents out of a general website inquiry.
Explore the learning center, read the glossary or find official federal retirement resources.