What is a Non-Appropriated Fund Federal Employee?

What is a NAF federal employee? What is the difference from a regular federal employee? Learn about the benefits, retirement options, and more!
FedLife Podcast (ep. #114): Non-Appropriated Fund Employees and Their Benefits
Similar but not identical benefits - that is what is important to remember about NAF employees. Their paycheck does not come from Congress.
What is the pay scale for NAF workers? MWR supports active-duty personnel and their families on military bases.
Featured in this episode:
• Defining non-appropriated funds and what workers are paid from these funds.
• Sick and annual leave works differently, instructed by the DoD.
• What insurance benefits are available to NAF employees - health and life insurance.
• NAF employees cannot participate in FEHB - only carrier they can choose is Aetna.
• They can be eligible for FLTCIP (of course applications are still suspended)
• NAF feds can’t participate in FERS, CSRS, or the TSP - so what options do they have?
• NAF retirees can collect a guaranteed pension with cost-of-living adjustments (COLAs)
• There is a NAF 401(k) similar to the TSP
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