AUTHOR ARCHIVES

Tammy Flanagan

Tammy Flanagan has spent 30 years helping federal employees take charge of their retirement by understanding their benefits. She runs her own consulting business at www.tammyflanagan.com and provides individual counseling as well as online training for the National Active and Retired Federal Employees Association, Plan Your Federal Retirement as well as the Federal Long Term Care insurance Program. She also serves as the senior benefits director for the National Institute of Transition Planning Inc., which conducts federal retirement planning workshops and seminars.

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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Retirement Planning Social Security Quiz: The Answers

January 20, 2012 Retirement Planning: Social Security Quiz The Answers 1. c 2. c. At the full retirement age, a spouse is eligible for half their spouse’s full Social Security retirement benefit amount or their own benefit -- whichever is higher. If Sandy began collecting her own benefit at 62, however, this would...

Social Security Quiz

January 20, 2012 It's been a while since I've tested your knowledge in this column, so I thought it might be fun to put together a quiz on Social Security benefits and how they fit into planning for your future. After you take the quiz, click here for the answers. 1. What was...

Reductions and Withholdings

January 13, 2012 I recently received an email requesting that I write a column describing the deductions from benefit checks that are common for retirees. The emailer wrote: Some of my colleagues look at the gross figure of their retirement benefit, but don't realize that by the time you take out your deductions,...

The Index: 2012 Edition

January 6, 2012 Since 2006, I've been privileged to have my name appear under the Retirement Planning column every Friday. If you would have asked me then if I would still be writing this column in 2012, I would have said, "No way." I would have thought it would either have been too...

A Few Good Things

December 23, 2011 It is easy to focus on the bad news coming through the pipeline these days, such as proposed cuts to federal employee benefits and pension processing delays at the Office of Personnel Management. Still, 2011 wasn't all bad, was it? And there are some things to look forward to in...

Great Expectations

December 16, 2011 More than 100,000 employees each year retire from civilian federal careers that have lasted from as little as five years to more than 40. As usual, the end of the leave year -- Dec. 31 -- will be a popular date for many of this year's new group of retirees....

Medicare Choices

December 9, 2011 Little is more confusing for employees and retirees than the decisions that must be made when you become eligible for Medicare. Let's look at two scenarios to see how Medicare and Federal Employees Health Benefits Program can fit into one picture. Situation 1: Active federal employees age 65 and older...

Taking the Plunge

December 2, 2011 Are you ready to try something new and possibly save a lot of money in the process? I'm talking about switching to a consumer-driven or high deductible health plan this open season. I've been writing about these plans for several years. Here are some of the previous columns: (Almost) Free...

Ten Tips for Open Season

November 18, 2011 Each year, federal employees get the opportunity to review their coverage choices under the Federal Employees Health Benefits Program and the Federal Employees Dental and Vision Insurance Program. For those thinking about retiring in the near future, it's especially important to consider your options. With that in mind, GovExec.com Retirement...

11.11.11 Edition

November 11, 2011 In honor of Veterans Day and 11.11.11 -- a date blackjack players would consider lucky and those who remember the freak weather events that killed more than 300 on Nov. 11, 1911, would consider unlucky -- I have decided to focus this week's column on retirement tips for federal employees...