Title: FEDweek Issue: Wed, December 1, 2004
2005 CSRS & FERS In-Print Retirement Planning Guides
Now Available to All Federal Employees for Immediate Shipment

(YOU WON'T FIND THESE RETIREMENT PLANING GUIDES ANYWHERE ELSE,
EXCEPT FEDWEEK!)

Click Here Click Here Click Here

Brand New 2005 CSRS and FERS Retirement Planning Guides
Just Published!

To order your CSRS Retirement Planning Guide, go directly
to http://www.fedweek.com/csrs.htm

To order you FERS Retirement Planning Guide, go directly to
http://www.fedweek.com/fers.htm

Brand New FREE OFFER FOR OUR FEDWEEK READERS:
Special FREE Publication: Your Strategic Guide to Investment
and Financial Planning
FEDweek will give you absolutely FREE this sought after financial
planning pub. Here's a partial look at an overview of the
table of contents of this FREE Pub:

  • How to Build a Retirement Portfolio
  • Low-Risk, High-Return Stock Market Strategies
  • Fixed Income Investments for Steady Cash Flow
  • Search the Globe for Profits
  • Invest for After Tax Returns
  • Making the Most of Your Golden Years
  • And Much More!

    This FREE Book offer is good for the first 10,000 orders
    we receive for either the 2005 CSRS or FERS Retirement Planning
    Guides. And considering the dramatic response this offer won't
    last too long, so get your order in now!
    (Limited One FREE Book per order)

    This is one way we can say thank you for allowing us to serve
    your needs and we hope to for many years to come!
    ****************************************************
    The 2005 CSRS Retirement Planning Guide
    http://www.fedweek.com/csrs.htm

    The 2005 FERS Retirement Planning Guide
    http://www.fedweek.com/fers.htm

    Below you'll find more details about these publications.

    The 2005 CSRS and FERS Retirement Planning Guides
    http://www.fedweek.com/pub/index.php
    Now in their seventh year of print (and over 350,000 sold),
    these CSRS and FERS Retirement Planning Guides truly help
    you fully understand your federal retirement.
    These planning guides simplify the retirement planning
    process, helping you calculate your annuity (with plenty of
    examples), warn you about possible reductions in your
    annuity, tell you how Social Security fits into the picture,
    and what to do about health and life insurance. In short,
    they contain everything you need to know to make your
    federal retirement a success.

    These 2005 CSRS & FERS Retirement Planning Guide are NOT
    Dot.com downloads or government handouts or pamphlets, they are
    In-print comprehensive and easy-to-understand planning guides
    that were written and edited by our veteran-team of federal
    retirement planning experts in the field. Here are some of the
    key features and updates that these 2005 retirement planning
    include:

  • A step by step guide to embarking on the retirement journey
  • A complete description of the new long-term care program
  • Explanations of potential traps for those close to retirement
  • A quick reference guide to benefits your survivors would receive on your death
  • A description of how Tricare-for-Life might replace your current FEHB benefits
  • Details on how to carry your retirement and other benefits into retirement
  • How you can change your retirement benefits after retirement
  • An easy to follow guide to understanding annuity statements
  • How the new TSP investment, rollover, withdrawal rules will affect you
  • Latest information on COLA rates and policies, payments to survivors
  • The latest information on Social Security benefit rates and eligibility rules
  • The latest information on FEGLI, FEHB, service crediting for retirement purposes

    ALSO IN THESE 2005 CSRS & FERS RETIREMENT PLANNING GUIDES:
    How to calculate your annuity (with plenty of easy-to-follow
    examples)
    Eligibility requirements
    Different retirement types (regular, early, deferred, special
    disability)
    Credit for military service
    Deposits and redeposits
    Cost of living adjustments
    The effect of divorce on annuities
    Social Security
    The Thrift Savings Plan
    Taking health and life insurance into retirement
    Annuity taxes
    Survivor benefits
    And much more!

    Go to http://www.fedweek.com/pub/index.php
    to place your order now and get your FREE Pub: Your Strategic
    Guide to Investment & Financial Planning shipped to you
    immediately.

    Other Ways to Order:
    You may also call our toll-free order line at (888) 333-9335
    to place your order for these retirement planning guides:

    The 2005 CSRS Retirement Planning Guide
    http://www.fedweek.com/csrs.htm
    The 2005 FERS Retirement Planning Guide
    http://www.fedweek.com/fers.htm

    Or you may also mail your order with payment of $13.95
    ($9.95 plus $4.00 s&h) to:
    FEDweek P.O. Box 5519, Glen Allen, VA 23058.

    Special Bonus:
    The first 10,000 orders placed for either of these CSRS and FERS
    Retirement Planning Guides will receive a FREE Pub:
    Your Strategic Guide to Investment and Financial Planning.
    Please pass this information on to your fellow colleagues.

    13. Federal Legal Corner: EEO Complainants Must Prove Pecuniary
    and Compensatory Damages

    The Equal Employment Opportunity Commission recently denied pecuniary
    (monetary) damages for a successful complainant who was reinstated
    after a finding that the Postal Service had discriminated against her
    in reprisal for her EEO activity. Cynthia L. Keller v. John E.
    Potter, Postmaster General, U.S. Postal Service, Appeal No. 01A34761
    (9/15/04). Following a supplemental investigation as to complainant's
    entitlement to compensatory damages for pain and suffering, the
    agency found that the claims were not supported by necessary evidence.

    The agency found that complainant had concentrated on her medical
    condition and attendant costs without linking them to her
    discriminatory termination.

    The EEOC noted that "to recover damages, the complaining party must
    prove that the employer's discriminatory act or conduct was the cause
    of his/her loss, that is, whether the complaining party incurred the
    pecuniary losses as a result of the agency's discriminatory action
    or conduct," citing Enforcement Guidance: Compensatory and Punitive
    Damages Available under 102 of the Civil Rights Act of 1991 (7/14/92).
    While complainant submitted copies of the relevant documents, e.g.,
    medical bills for consultations and drugs, late fees charged for
    delayed payment of household bills, interest on a loan, insurance
    costs, and incidental fees for copying and postage, she failed "to
    demonstrate how each item was proximately caused by her removal,
    e.g., the reason she consulted doctors, the purposes of the
    prescription drugs purchased, and how the agency was responsible
    for the expenditure of the funds." Furthermore, the EEOC found
    that "her claim for payment of a vacation paid for by her
    mother-in-law does not indicate that reimbursement was due; her
    loss of rental income on a house undergoing construction is too
    speculative; and a complainant is not entitled to reimbursement
    for time spent on EEO activity" although she would be entitled
    to restoration of lost leave.

    The complainant's claim for $50,000 in compensatory damages for
    emotional pain and suffering was reduced to $5,000. While she
    described her stress and sadness, lack of self-confidence, and
    damage to her career, "she did not indicate if she was treated
    medically for her emotional pain and suffering." Moreover,
    complainant failed to submit evidence of the "observations and
    effects of her emotional distress on her family." However,
    because she indicated that she experienced some emotional pain
    and suffering due to her discriminatory termination, she was
    awarded $5,000 in non-pecuniary damages.

    This decision indicates the importance of linking damages for
    both monetary losses and emotional pain and suffering to the
    discriminatory actions taken against you. Not only is such
    linkage crucial, but it should be buttressed by support of
    immediate family members and friends as well as any related
    medical evidence of emotional or physical pain and suffering
    caused by the discrimination.

    ** This information is provided by the attorneys at
    Passman & Kaplan, P.C., a law firm dedicated to the
    representation of federal employees worldwide. For more
    information on Passman & Kaplan, P.C., go to
    http://www.passmanandkaplan.com. **

    FEDweek
    Publisher, Don Mace
    VP of Marketing, Kevin Couch
    Website: http://www.fedweek.com
    11541 Nuckols Rd. Suite D
    Glen Allen, VA 23059
    (804) 288-5321


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