This page can be found on the web at the following url: http://www.opm.gov/retire/pubs/bals/bal12.asp
The U.S. Office of Personnel Management (OPM) has Governmentwide responsibility and oversight for Federal benefits administration. These pages contain the Benefits Administration Letters (BALs) used for program administration. The BALs provide guidance to agencies on various aspects of Federal administration.
Retirement Policy and Process Issues
Insurance Policy and Process Issues
Payroll and Financial Management Guidance
Federal Benefits Open Season Guidance