Retire in Philippines: A Federal Retirees Guide

Thinking about retiring in the Philippines on your federal pension? What most videos won't tell you: your visa, FEHB, Medicare decision, and OPM annuity are four separate systems — and assuming one takes care of another is the mistake that costs federal retirees real money.

I retired from federal service, survived a 327-day OPM wait, and I'm planning my own move abroad. This is the guide I wish someone had handed me — written for FERS and CSRS retirees, not generic expats.

Inside:

✅ The SRRV program — current deposit tiers, pension requirements, and the assumptions that get applicants in trouble

✅ What FEHB actually covers overseas — and what to ask your plan in writing

✅ Why Medicare mostly stays home

✅ Getting your OPM annuity paid reliably abroad — including deposit-transfer safety

✅ Taxes: the U.S.–Philippines treaty reality

✅ Where to live — matched to healthcare access, not Instagram

✅ Pre-departure checklists

✅ Official source links: PRA, OPM, Medicare, IRS, and more

Every figure reviewed against official sources — July 2026.

Educational purposes only — not immigration, legal, tax, financial, or insurance advice.