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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Pay Raise Considerations

February 2, 2017 On Dec. 27, 2016, President Obama signed into law the 2017 pay increase for federal employees who are paid under the General Schedule, Foreign Service Schedule, and other pay systems for executive, legislative and judicial branch employees. You can find the new pay charts at the Office of Personnel Management’s...

Annual Benefit Adjustments

January 26, 2017 At the beginning of each year, certain automatic increases to federal employee and retiree benefits go into effect. Many of the increases take place under established formulas and are driven by indexes such as the rate of inflation or the increase in average wages in the United States. Here is...

So You Want to Retire Overseas

January 19, 2017 The inspiration for this week’s column has nothing to do with this week’s presidential inauguration. Rather, it came from a recent email from a federal employee who is married to a German citizen and plans to spend much of her time as a resident of Germany. She will join thousands...

The Index: 2017 Edition

January 12, 2017 It is has been my honor and pleasure since 2006 to write this weekly column. From the beginning, I hoped that these columns would be archived so that they would form a cumulative resource to help federal employees plan for retirement at every stage of their careers. Below is my...

Paying a Medicare Penalty

January 5, 2017 Over the years, I’ve written a number of columns about the wisdom of enrolling in “original Medicare” — Part A (hospital Insurance) and Part B (medical insurance). Most of the questions I get on this subject revolve around whether it makes sense to sign up for Part B, and how...

Last-Minute Retirement Tips

December 22, 2016 Since January 2016, nearly 100,000 federal employees have retired. Many more will likely be added to the retirement rolls soon, because the Office of Personnel Management typically receives twice as many retirement applications in January than at any at any other time of the year. Making the application process go...

Making Your Best Bet on Social Security

December 15, 2016 Almost everyone needs to decide when to claim their Social Security retirement benefit between age 62 and 70. The only exception would be those claiming disability benefits or benefits based on the death of a spouse, former spouse, or a parent. Everyone else has the same eight-year window to figure...

Last Chance for Open Season Changes

December 8, 2016 As everyone knows, the holidays can be a stressful time. And years ago the federal government decided to add to the pressure by scheduling the annual Federal Employees Health Benefits Program open season during this period. Why couldn’t they have picked February or March? I’m ready for this open season...

Open Season Q&A

December 1, 2016 Throughout the Federal Employees Health Benefits Program open season, my email inbox has been filled with questions about insurance choices. This week, I thought I’d share some of them in the hopes they might help you consider your open season options. You have a little more than a week to...

Making Your Open Season Choices

November 17, 2016 We’re coming to the end of the first full week of the annual open season for the Federal Employees Health Benefits Program, Federal Flexible Spending Account Program and Federal Employees Dental and Vision Insurance Program. That means you have three weeks (and four weekends) left to make your choices for...