O.D. Elliott


 Director of Retirees – O.D. Elliott
101-78TH -Ave, N.E.
ST Petersburg FL 33702
727-608-6027 ,727-526-2673



Just got hired, not thinking about retirement? –Think again. Time has a way of slipping up on you. Thirty-five years from now, you may still be in the USPS, and in wonderment about where the years have gone. Don’t let it take you by surprise. Start planning today as if you already are planning to make the Postal Service your career. You already know that as a CCA you are not vested in the Federal Employees Retirement System (FERS). However, the NALC does provide you with a way to begin saving toward a future retirement. The NALC provides CCAs with a CCA Retirement Savings Plan through the NALC’S Mutual Benefit Association (MBA). This plan is a retirement income plan designed to supplement CCAs’ pensions by having them make small payments to the plan. The minimum amount allowed is $15 per pay period. You can make these payments through payroll deduction, be billed monthly or annually, or make a lump sum deposit at any time.
The plan has competitive interest rates. You can choose whether to invest your money in a Roth individual retirement account (IRA) or in a traditional IRA . Once you become a career carrier, you may transfer these savings to the Thrift Savings Plan under FERS.
Once you become a career carrier, you are automatically enrolled in FERS. Initially, when converted to full-time career status, you will be enrolled in TSP with 3% of your base pay deducted from your pay, matched by the USPS and deposited in your TSP account. Please know that you can increase, decrease or cancel your TSP contributions.
If you begin your full-time career status making the maximum TSP contribution immediately, you won’t miss it. However, the longer you delay in increasing your contributions, the more difficult it will become. So THINK AGAIN, AND THINK AHEAD