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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 Mondays at 10 a.m. EDT on Federalnewsradio.com, or on WFED AM 1500 in the Washington-metro area.
Medicare Mysteries
November 21, 2008 I have spent the past 20 years trying to understand the relationship between the Federal Employees Health Benefits Program and Medicare. I think I know more than I did a couple of decades ago, but that isn't saying much. I thought I would take some time during this open season ...
Review Time
November 14, 2008 Open season is in full swing. There are only 24 days left to choose your health plan, decide on dental and vision coverage, and figure out how much to put away in a flexible spending account. If you haven't done so already, you need to set aside some time to ...
Dental Check-Up
November 7, 2008 Have you purchased dental insurance? I have family coverage, and since I'm reevaluating our situation, I thought I would take you through my thought process on whether we will continue this coverage next year. My family includes myself, my husband and a son who is 20 years old. We have ...
High Interest
October 31, 2008 Happy Halloween! Are you haunted by the looming Federal Employee Health Benefits Program open season? Stick with me during the next few weeks, and I'll provide resources and information to help you make decisions on your health, dental and vision coverage, and flexible spending account contributions. Last week's column on ...
Considering HDHPs
October 24, 2008 The annual federal health benefits open season is right around the corner. This year, it runs from Nov. 10 to Dec. 8. Federal employees and retirees will be able to select new health, dental and vision plans, as well as set flexible spending account allotments for 2009. If you want ...
Deep Breath
October 17, 2008 It's been quite a couple of weeks for newspaper headlines. Take this one from last Sunday's Washington Post: "Retirement Wreck." Or how about this one from the Wall Street Journal: "What to Down in a Down Market." (That was about the kind of whiskey you should drink to calm your ...
What You Need to Know
October 10, 2008 Whether you are a new federal employee or someone with 35 years of service, there are certain things you need to know to plan for your retirement. Your agency's human resources office can be a valuable resource for getting answers to these questions, since it is your link to the ...
Take Charge of Your TSP
October 3, 2008 With all that's going on in the financial system these days, many federal employees are concerned about whether they can count on their Thrift Savings Plan funds to provide for a healthy percentage of their retirement savings. Some people view the TSP as a complex and risky place to save. ...
FERS Flexibilities
September 26, 2008 I knew it would happen. I just knew it. Last week's column comparing the Civil Service Retirement System and the Federal Employees Retirement System caused a stir. Based on the comments on the article and the e-mails I received, some further explanation about the flexibility of FERS might be in ...
CSRS vs. FERS: 2008 Edition
September 19, 2008 If you work in the federal government, you've no doubt heard people either brag or lament (depending on when they were hired, usually) that the Civil Service Retirement System is much better than its successor, the Federal Employees Retirement System. I hear these kinds of comments all the time. There ...
