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Nonappropriated Fund Retirement Plans

To help attract and retain qualified and productive employees, each Nonappropriated Fund (NAF) employer provides eligible employees with an opportunity to participate in a retirement program consisting of a defined benefit (pension) plan and a defined contribution (401(K)) plan. These plans are in addition to and in consideration of Social Security benefits. Generally, NAF employees do not receive coverage under the Government’s Civil Service or Federal Employees Retirement Systems and Thrift Savings Plan.

Within the parameters of DOD-wide NAF policy, the DOD NAF employers each have flexibility to establish personnel programs that are in line with their business models. Except for uniform health benefits, NAF employer-sponsored benefits programs (such as retirement plans) are separate and distinct, offering different benefit levels and features. DCPAS is responsible for oversight of the policy that governs the NAF employer retirement programs.