This comprehensive handbook explains the very latest information on federal employee benefits, including pay, awards, Thrift Savings Plan, flexible spending accounts, federal employee retirement system, civil service retirement system, federal long-term care insurance program, federal student loan repayment program, leave, alternative work schedules, employee assistance programs, health benefits and group life insurance programs. Note: This handbook is NON-REFUNDABLE (unless damaged upon receipt). Review return policy here: www.lulu.com/help/returns_policy. We strongly recommend viewing the handbook BEFORE purchasing it at http://www.federalhandbooks.com