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Restriction to be lifted on starting and restarting installment payments based on life expectancy — The FRTIB is permanently changing the rule that prevents you from starting installment payments based on life expectancy if you have previously received installment payments. Beginning in January 2021, all TSP participants who are eligible for installment payments may elect to receive payments based on life expectancy whether or not they previously started and then stopped installment payments. This means that if you are currently receiving life-expectancy payments, you may now stop them, knowing that you will be able to restart them next year. (You will not be able to restart them in 2020, but you can always use other withdrawal types for which you’re eligible.) This is a significant rule change, especially if you currently receive life-expectancy payments for the purpose of receiving required minimum distributions (RMDs) and want to temporarily suspend those payments while RMDs are waived in 2020. To do so, log in to My Account now and select Withdrawals and Changes to Installment Payments to stop your payments. To restart them in 2021, log in again and start a new transaction to request installment payments based on life expectancy. Please disregard any TSP materials that state the old rule, including instructions you may see when using the online tool to stop payments. We will update them as soon as possible.

Important Note: If you started receiving life-expectancy-based installment payments before the age of 55 and

  1. you are under age 59½ now
  2. it has been less than five years since your payments started,

then stopping your payments now could have tax consequences that are mandated by the Internal Revenue Code and are not eliminated by this FRTIB rule change. Visit or consult a tax advisor for more information.

Second quarter participant statements are online and in the mail — Your second quarter 2020 participant statement, covering the period from April 1 through June 30, 2020, is now available in My Account. To receive email updates when new participant statements are available, click “Subscribe” on Plan news.

Submitting certain forms online — You may now submit certain TSP forms online by logging in to My Account and uploading a PDF copy of the form. You’ll find an up-to-date list of forms we accept online when you log in to My Account and select Upload Form from the menu. That section provides detailed instructions on how to prepare your file for upload.

You still have the option to mail or fax your completed form and supporting documentation to us. However, be sure to submit your form and documentation one time only. We will process the first submission we receive and cancel any subsequent forms of the same type. The list of forms you can submit online may change at any time, so be sure to check the list in My Account before you begin preparing your file.

Top 5 FAQs

  • How you change your address with us depends on whether or not you still work for the federal government.

    If you’re currently a federal employee, report your correct address to your agency. We can’t accept address changes directly from you.

    If you’re an active member of the Air Force, Army, Navy, or Marine Corps, you can update your address through the myPay website. Just make sure that you log in and go to the TSP section to change your TSP address. If you change it in the “Correspondence Address” section of myPay, it will not change your TSP address. Members of the Coast Guard and NOAA Corps can use Direct Access. Select “Home and Mailing Address” under Tasks, then choose “TSP” from the drop-down menu next to “Address Type.”

    If you’re no longer a federal employee or uniformed services member, visit My Account: Profile Settings to change the address. Or while you’re logged in, use our Change in Address for Separated Participants, Form TSP-9, and fax or mail it to us.

    To change or validate your contact information such as your phone number or email address, visit My Account: Profile Settings.

  • In most cases, you’ll use your agency’s or service’s electronic payroll system to start, change, or stop your TSP contributions. For example, civilian payroll systems include Employee Express, EBIS, LiteBlue, myPay, or NFC EPP. Uniformed services can use myPay (Army, Air Force, Navy, Marine Corps) or Direct Access (Coast Guard and NOAA Corps).

    If your agency or service accepts the paper form, download and complete the Form TSP-1, Election Form (or Form TSP-U-1 for uniformed services members), or call the ThriftLine at 1-877-968-3778 and choose option 3 to have it mailed to you.

  • Starting in the year you turn 50, you may be eligible to make catch-up contributions to your TSP account in addition to your regular employee contributions.

    Here’s what you should know:

    • You must already be contributing an amount that will reach the IRS annual contribution limit. To see the current limits, visit Contribution Limits.
    • You may start, change, or stop making catch-up contributions at any times.
    • There are no matching contributions for catch-up contributions.
    • You must make a new election each year—they do not restart automatically.

    Uniformed service members cannot use incentive pay, special pay, or bonus pay to make catch-up contributions. If you’re in a combat zone, catch-up contributions must be Roth.

    To make a catch-up contribution election, use your agency’s or service’s payroll website (e,g., Employee Express, EBIS, LiteBlue, myPay, and NFC EPP) or complete Form TSP-1-C, Catch-Up Contribution Election (TSP-U-1-C for uniformed services members) and submit it to your payroll office. You may also download the form or call the ThriftLine at 1-877-968-3778 and press 3 to request a copy.

  • If you forget, lose, or want to change your TSP account password, you’ve got a few options.

    If you forget or lose your password, go to the My Account section of, click on “Forgot your password?” and follow the prompts. If you know your password and want to change it, log in to My Account: Profile Settings and click on “Change Your Password.” You can also call the ThriftLine at 1-877-968-3778 and press option 3 to speak to a Participant Service Representative.

  • If you successfully complete the entire loan process online and are approved, you’ll receive your money within 7–10 business days in the form of a check mailed to the address we have on file for you. You will not have the option of receiving your money by electronic funds transfer (EFT).

    If you submitted a paper loan agreement, your request make take several weeks to process.

    You may track the status of your loan online or by contacting us.