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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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...

Life Insurance Lessons

October 1, 2010 Do you remember the last time there was an open season for the Federal Employees Group Life Insurance program? It was September 2004. And do you remember that any changes made at that time didn't take effect until a year later -- and why that is significant? It means that...

Getting Help

September 24, 2010 As hundreds of thousands of federal employees confront the prospect of retirement, they face a series of critical questions, including: Can I afford to retire? How much should I be saving in my Thrift Savings Plan, and where should I invest it? What should I do with my TSP investments...

Health Reform and Your Children

September 17, 2010 The Affordable Care Act President Obama signed earlier this year includes provisions extending health care coverage for children on their parents' plans until they reach age 26. The Office of Personnel Management recently released guidance on how these provisions will be implemented under the Federal Employees Health Benefits Program and...

Pop Quiz

September 10, 2010 Since it's back-to-school time, I thought it would be fun to have a pop quiz to test your retirement planning knowledge. These questions and answers are taken from my pre-retirement seminars. Beware, some of the wrong answers are things many employees actually believe to be true. 1. Who will determine...

Understanding CSRS Offset

September 3, 2010 Last week's column about the best time to apply for Social Security prompted some comments and questions from employees who are covered under the Civil Service Retirement System Offset. CSRS Offset is a version of CSRS established for employees who completed at least five years of civilian federal service creditable...

The Magic Number

August 27, 2010 This week I received what appeared to be a simple question: At what age should I apply for Social Security to get the maximum benefit? Actually, this is a loaded question. Before I can begin to answer, I have to ask more questions such as: Are you still working? If...

The Next Adventure

August 20, 2010 When should you retire? For some people, the answer is simple: Get out the day you're eligible. Others stay long beyond their eligibility because they like their work and the routine they have established. Many folks I talk to want to be sure the kids are out of the house...

At Your Service

August 13, 2010 A few weeks ago, in a column titled "Before Your Time," I wrote about federal employees who have reached the age when they could retire, but might not have as much service under their belts as they'd like. The column attracted quite a few questions from readers, so I thought...

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