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This document provides information regarding the implementation of the catch-up contributions for 401(k) Plan participants over the age of 50, including maximum deferral limits, how to calculate contributions,
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How to fill out US ARMY NAF EMPLOYEE BENEFITS PROGRAM

01
Gather necessary documents including your employment offer, Social Security number, and personal identification.
02
Navigate to the official US Army NAF Employee Benefits Program website.
03
Locate the benefits enrollment section.
04
Review the available benefit options such as health insurance, retirement plans, and paid time off.
05
Fill out the online enrollment form, ensuring all personal and employment information is accurate.
06
Select your desired benefit options and any additional plans.
07
Review your selections and calculate any associated costs.
08
Submit your completed enrollment form.
09
Keep copies of your submissions and any confirmation emails for your records.
10
Follow up with HR if you do not receive confirmation of your enrollment.

Who needs US ARMY NAF EMPLOYEE BENEFITS PROGRAM?

01
All employees working under the US Army Non-Appropriated Fund (NAF).
02
Part-time and full-time employees seeking health insurance and retirement benefits.
03
Employees interested in maximizing their employee benefits for personal and family welfare.
04
New hires who need to understand the benefits available to them.
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Under FERS, an employee who meets one of the following age and service requirements is entitled to an immediate retirement benefit: age 62 with five years of service, 60 with 20, minimum retirement age (MRA) with 30 or MRA with 10 (but with reduced benefits).
If you are at least 62 years of age and have completed at least five years of credited service, if you are at least 60 years of age and have completed at least 20 years of credited service, or if you a re at least 55 years of age and have completed at least 30 years of credited service, you may also retire with an
If you are at least 62 years of age and have completed at least five years of credited service, if you are at least 60 years of age and have completed at least 20 years of credited service, or if you a re at least 55 years of age and have completed at least 30 years of credited service, you may also retire with an
NAF employees — U.S. The average premium cost of your annual medical coverage for 2025 is almost $14,700 per NAF employee. It's important for you to know that your NAF employer pays 70% of this cost, or $10,290. As a NAF employee, you pay 30%, or $4,410 in premiums.
When Can I Retire? To retire, you must have 20 years of active duty service in the Army, Navy, Marines, Air Force, Space Force, or Coast Guard. You may also qualify if you are medically retired from one of the armed forces.
To help attract and retain qualified and productive employees, each Nonappropriated Fund (NAF) employer provides eligible employees with an opportunity to participate in a retirement program consisting of a defined benefit (pension) plan and a defined contribution (401(K)) plan.
Employees with flexible appointments are eligible for the following benefits and compensation: Overtime pay, shift differential, awards, workers' compensation, and unemployment compensation. A flexible NAF position may serve as a stepping stone to a regular full-time position with benefits.

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The US Army NAF Employee Benefits Program is a set of benefits and services provided to non-appropriated fund (NAF) employees of the US Army, including health insurance, retirement plans, and other employee assistance programs.
NAF employees who are eligible for the benefits offered under the program are required to file. This typically includes full-time and some part-time employees.
To fill out the US Army NAF Employee Benefits Program forms, employees should follow the specific instructions provided by their HR department, which usually involve completing necessary forms and providing required personal and employment information.
The purpose of the US Army NAF Employee Benefits Program is to support the well-being of NAF employees by offering various benefits that promote health, retirement security, and overall job satisfaction.
Employees must report personal identification information, employment details, eligibility for benefits, and any changes to their employment status or family situation that may affect their benefits.
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