AUTHOR ARCHIVES

Tammy Flanagan

Tammy Flanagan is the senior benefits director for the National Institute of Transition Planning Inc., which conducts federal retirement planning workshops and seminars. She has spent 25 years helping federal employees take charge of their retirement by understanding their benefits.

For more retirement planning help, tune in to "For Your Benefit," presented by the National Institute of Transition Planning Inc. live on Federal News Radio on Mondays at 10 a.m. ET on WFED AM 1500 in the Washington-metro area. Archived shows are available on NITPInc.com.

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Credit for Military Service

February 11, 2011 Getting credit for civilian and military service toward federal retirement is among the least understood of all retirement topics. Since length of service is one of the two main factors that determine the value of retirement benefits, understanding service credit is an important issue for every employee. Along with simply ...

Rethinking the Best Date to Retire

February 4, 2011 Here's a new wrinkle in choosing the best date to retire under the Federal Employees Retirement System: It might not be the last day of the month. I recently received the following e-mail from one of my readers, Jerry: I am a FERS employee who is eligible to retire and ...

Where Credit Is Due

January 28, 2011 You say you want a revolution Well, you know We all want to change the world You say you got a real solution Well, you know We'd all love to see the plan -- The Beatles Today, I have a plan for a small revolution that could help federal employees ...

Be Prepared

January 21, 2011 The weather forecasters say it's going to be a rough winter here in the East. Maybe it will and maybe it won't. That's the way it is with predictions. Still, just knowing of the possibility, it's prudent to prepare. You can't deal with snow until it's on the ground, but ...

Refunds and Redeposits

January 14, 2011 One of the hot topics discussed among federal benefits specialists over the holidays was civilian service credit deposits and redeposits. That's because there was some clarification from the Office of Personnel Management regarding redeposits of refunded retirement contributions for Federal Employees Retirement System participants and a resolution regarding processing problems ...

The Index: 2011 Edition

January 7, 2011 Last year marked the fifth year I've written this column. What I've come to realize is that there are a variety of ways to look at the same subjects due to updates to laws and regulations, or changes in the world we live in. As I've done at the beginning ...

A Date for New Year’s

December 17, 2010 In a new survey by Government Executive's research arm, the Government Business Council, 35 percent of federal managers said the impending two-year pay freeze is likely to cause them to retire sooner. A little less than 20 percent said it will lead them to retire later, while 38 percent said ...

Why?

December 10, 2010 I have a friend who has a unique approach to buying a new car. When the time comes, she simply looks around large parking lots near her home to see what people are driving. Whichever is the most common vehicle is the one she buys. Her thinking is if everyone ...

Medicare Wrap-Up

December 3, 2010 I've covered Medicare a fair number of times in recent weeks, so some of you might be growing tired of the subject. But since many people are picking a Federal Employees Health Benefits Program plan this open season to coordinate with Medicare, and they're still asking questions, I thought I'd ...

Medicare coverage deserves a second look during open season, experts say

November 24, 2010 This year's Federal Employees Health Benefits Program open season runs through Dec. 13. Many federal retirees and those planning for retirement have asked, "Why do I need Medicare if I already have health insurance under FEHBP?" The fact is, in many cases it makes sense to have both FEHBP and ...