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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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 ...

Disability Decisions

November 19, 2010 You might have noticed that during the annual Federal Employees Health Benefits open season, which is under way right now, there are no disability insurance plans to choose from. Federal employees have group health benefits, dental and vision coverage, flexible spending accounts, and access to group life insurance and long-term ...

Medicare Questions

November 12, 2010 In last week's column, I noticed that many of the comments that followed sought further clarification about how Medicare works in conjunction with the Federal Employees Health Benefits Program. This week, I'll address some of those questions. What was not specifically mentioned in this article is the effect on your ...

Don’t Forget Medicare

November 5, 2010 This year's Federal Employees Health Benefits Program open season starts on Monday, and runs through Dec. 13. Many federal retirees and those planning for retirement ask me, "Why do I need Medicare if I already have health insurance under FEHBP?" The fact is, in many cases it makes sense to ...

Trick or Treat

October 29, 2010 The secret is finally out: the Office of Personnel Management still processes retirement claims in 2010 much the same way it did in 1920. The process remains paper-based, requiring a human being to sift through the paperwork documenting an employee's career to be sure that he or she is receiving ...

COLA Crunch

October 22, 2010 I will admit some of the recently released numbers regarding Social Security benefits have got even me confused. It's not just that there's no increase in the cost-of-living adjustment for the second year in a row -- which also, of course, affects government retirement benefits, such as annuities under the ...

Golden Opportunity

October 15, 2010 I need to apologize upfront to my Federal Employees Retirement System readers this week. I know about 80 percent of government workers now are covered under FERS, but I didn't want to miss an opportunity to share a golden opportunity with my Civil Service Retirement System readers. Both FERS and ...

(Almost) Free Health Insurance

October 8, 2010 Last week, the Office of Personnel Management announced 2011 premium changes for the Federal Employees Health Benefits Program. Some of you will see your premiums increase by as much as $100 per month, although the average increase is much smaller. This week, I want to introduce you to a type ...