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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So Many Choices, So Little Time

November 2, 2007 There is one week left before the start of the annual open season for federal health, dental, vision and flexible spending account benefits. Have you considered changing health plans for next year? The place to start thinking about that question is the 2008 health benefits brochure for your current plan. ...

More Questions, More Answers

October 26, 2007 While I'm gathering more information for a series of columns on the open season for health benefits, I'm going to catch up on some more of your questions. FEHBP and TRICARE Question: I have been approved for early retirement by my agency at 59 effective Jan. 11, 2008. I have ...

Questions and Answers

October 19, 2007 Questions and Answers Have you noticed how many federal employees are talking about retirement and asking questions these days? It seems like retirement is a hotter topic than ever around federal water coolers, carpools and lunch tables -- which I guess makes sense given the demographics of the workforce. Some ...

A Little Lower

October 12, 2007 A few weeks ago, I wrote about how to decide whether to retire from federal service to work in the private sector or continue in your federal career. Several readers commented about the salary rates I used in the examples, saying they'd like to see how scenarios would work out ...

Going Private

October 5, 2007 Just when I thought I had explored most retirement benefits topics in this column, I received an interesting e-mail question: As a Federal Employees Retirement System employee, I am not locked into my retirement so much as someone who is in the Civil Service Retirement System. I won't/can't retire for ...

Part B Or Not Part B?

September 28, 2007 One of the big queries that comes up at every pre-retirement seminar is "Do I need Medicare -- especially Part B? Or should I stick with the benefits I can continue to receive into retirement under the Federal Employees Health Benefits Program?" The answer is, it depends. That's not what ...

Catch-62

September 21, 2007 This week, I present a cautionary tale, from which I hope you'll learn a valuable lesson: If you want to be sure your retirement reflects your full career of service, you need to understand your benefits long before you actually retire. The story involves a Vietnam veteran named Jerry who ...

Public or Private?

September 14, 2007 Earlier this year, I addressed the age-old question of whether you should retire from government as soon as you're eligible, or stick around for a while. This week, I thought I'd look at a variation of this question to dig a little deeper. Suppose you know that you want to ...

The Latest on the TSP

September 7, 2007 Sometimes people ask me if teaching retirement planning, as I've been doing for 20 years, ever gets boring. My answer is always the same: I love what I do because the people are all different and there is enough ongoing change to keep it very interesting. For example, take the ...

Laboring Another Day

August 31, 2007 According to the Labor Department, the annual Labor Day holiday "constitutes a yearly national tribute to the contributions workers have made to the strength, prosperity and well-being of our country." As this holiday approaches, I thought I'd share an example of how your retirement will increase as you labor longer ...