It looks like there might be a typo or an autocomplete slip in your question! There is no known framework, system, or guide exactly named “Pers-O-FE”.
However, looking closely at how those terms group together, you are most likely referring to one of two major United States institutional frameworks. You can read the comprehensive breakdown of both possibilities below to see which matches your needs.
Option 1: You meant PERS & FERS (Public & Federal Retirement Systems)
If you are planning for retirement, you may be blending PERS (State Public Employees Retirement System) and FERS (Federal Employees Retirement System). 1. What is FERS? (Federal Employees Retirement System)
FERS is the three-tiered retirement framework for most U.S. civilian federal employees. It is built on three interconnected pillars:
The FERS Basic Benefit (Pension): A guaranteed lifetime monthly annuity. It is calculated by multiplying your High-3 average salary by your years of creditable service, and then by a multiplier (usually 1% or 1.1%).
The Thrift Savings Plan (TSP): A defined-contribution plan similar to a 401(k). The federal government automatically contributes 1% of your salary and matches your contributions up to an additional 4%.
Social Security: You pay into and earn Social Security credits just like private-sector employees. 2. What is PERS? (Public Employees Retirement System)
If you work for a state, county, or city municipality rather than the federal government, your retirement is managed by a state-level PERS agency (such as Oregon PERS or Idaho PERSI).
Structure: Like FERS, modern state PERS systems usually pair a guaranteed lifetime pension with an individual investment program (like an IAP or a 401(k) Choice Plan).
Tiers: Benefits are heavily tied to your original hire date. Older “Tier 1” plans typically offer much higher payout formulas than newer tiers, which have been adjusted over time to manage state pension liabilities. Option 2: You meant PERS-41 / Navy HR (Military Detailers)
If you are in the U.S. Navy, PERS refers to the Personnel Command codes used by MyNavyHR for officer detailing and career progression. What is PERS? : Employers : State of Oregon
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