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.

Results 21-30 of 552

As Costs Go Up, Benefits Don’t Keep Pace

October 13, 2016 You probably are already aware by now that health care premiums are rising next year, while pay increases and cost of living adjustments for 2017 are nothing to get excited about. Retirees will know for sure after Oct. 18 how much COLAs for Civil Service Retirement System, Federal Employees Retirement...

What Is the FERS Supplement Worth?

October 6, 2016 One of the unique features of the Federal Employees Retirement System is the supplement it offers to younger retirees. About 40 percent of FERS retirees receive the supplement in addition to the FERS basic retirement benefit and income from the Thrift Savings Plan. It is designed to provide additional income...

Best Dates to Retire: Taking Your Leave

September 29, 2016 Last week, I presented my annual calendar showing the best dates to retire in 2017. I noted that there are a lot of different factors to consider in settling on a date, and the best days aren’t necessarily the same for all employees. One of the most significant considerations is...

Best Dates to Retire 2017

September 22, 2016 Download the Best Dates to Retire 2017 Calendar As has been my custom since I started to write this column more than 10 years ago, I am presenting the annual best dates to retire under CSRS, CSRS Offset and FERS for next year. Federal employees can retire the day they...

Social Security Confusion

September 15, 2016 Last week, we looked at the importance of using the magic words when asking questions about your retirement benefits. This week, let’s look at a specific example of how this principle came into effect for a federal employee trying to navigate the changes in the Social Security law passed late...

Use the Magic Words to Get What You Want

September 8, 2016 According to Emily Post (and moms everywhere), the magic words are “please,” “thank you,” “I’m sorry,” “you’re welcome,” and “excuse me.” These words show you have good manners and convey kindness, appreciation and awareness of others. They can open doors and make things happen. When it comes to retirement planning,...

Fighting to Protect Your Benefits

September 1, 2016 This week I had the privilege of attending and presenting at the National Active and Retired Federal Employees Association biennial convention in Reno, Nevada. The theme of the convention was “Progress. Protect. Persevere.” NARFE is 95 years old. It was founded in 1921, the year after Congress created the Civil...

7 Questions to Answer Before Buying Life Insurance

August 25, 2016 As I noted in my column last week, September offers a rare open enrollment for the Federal Employees Group Life Insurance program. Feds will be able to enroll in any FEGLI coverage, including Option C, family coverage. There are no health questions to answer and there’s no need for a...

How Much Life Insurance Do You Really Need?

August 18, 2016 When is the last time you evaluated your life insurance needs? Now is a good time to reconsider your options since there will be a rare open enrollment next month for the Federal Employees Group Life Insurance program. During September, feds will be able to enroll in any FEGLI coverage,...

A Retirement Guide for Every Stage of Your Career

August 11, 2016 Last week, we looked at some of the factors federal employees fear could threaten their financial security in retirement. The results came from a recent in-depth research study of federal employees conducted by Government Executive’s research unit, the Government Business Council. Another question posed in this survey that I thought...

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