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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The Long Haul: Part Three

August 11, 2006 In the first two parts of this series, we looked at what long-term care involves and assessing your need for insurance to cover it. Now let's look at some of the specific factors involved in purchasing coverage. Most of the parents of people approaching retirement today didn't have long-term care ...

The Long Haul: Part Two

August 4, 2006 Most people can agree on one thing when it comes to insurance: No matter what kind we purchase, we really don't want to get our money's worth. Long-term care insurance is no different since no one wants to be cared for in such a personal way. But some of us ...

The Long Haul: Part One

July 28, 2006 There's a lot of buzz these days about the need to consider purchasing long-term care insurance as part of retirement planning. Before buying any kind of insurance, it is important to be clear about exactly what is being insured. So this week, I'll focus on what long-term care is, and ...

Single Concerns

July 21, 2006 Two weeks ago, we looked at benefits issues for federal couples. So it's only fair that singles get their turn this week. Here are some of the questions single people face in planning for retirement: What happens to my retirement benefits when I die? How much life insurance should I ...

Federal Couples

July 7, 2006 Are you a federal employee who is married to another fed? If so, you've got some unique issues to deal with in planning for retirement. They mostly revolve around two fundamental questions: Do we need to provide each other with survivor's benefits? Should we be enrolled in self and family ...

Mixing Civilian and Military Retirement

June 30, 2006 What comes after a career in the military services? Sometimes, a second career in the civilian service is the next logical step. But as the second career nears completion, an important decision needs to be made between two retirement options: 1. Combine military and civilian careers into one civilian retirement ...

Smoothing the Transition

June 23, 2006 There's little question that the kind of benefits federal employees enjoy in retirement play a major role in their decision to work for Uncle Sam. A 2003 Office of Personnel Management survey showed that the availability of retirement and insurance benefits influenced the decision of 68 percent of respondents to ...

Ensuring a Healthy Retirement

June 16, 2006 Maintaining adequate health care coverage is a very important element in retirement planning. The Federal Employees Health Benefits Program is designed to cover not just federal employees and their families, but retirees and their family members as well. Employees and survivor annuitants may continue FEHBP coverage through their CSRS or ...

Offsetting Penalty

June 9, 2006 If you receive a pension under the Civil Service Retirement System, based on income from which Social Security taxes were not withheld, the Social Security benefits that you may be entitled to receive from your spouse (or former spouse) may be reduced due to the effects of what's known as ...

The Early Way Out

May 26, 2006 In last week's column, we looked at benefits for employees who resign before being eligible to retire. This week's topic is early retirement. Voluntary early retirement goes by various names. Informally, it's called taking an "early out." Officially, it's sometimes called VERA (Voluntary Early Retirement Authority), often coupled with VSIP ...