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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Supplementary Information

February 2, 2007 My column last week on supplements under the Federal Employees Retirement System generated lots of questions. In fact, I spent the better part of last weekend answering them. So I thought I'd share some of the most common ones with you. And oh, for you Civil Service Retirement System folks, ...

Supplementing FERS

January 26, 2007 If you are covered under the Federal Employees Retirement System and are looking forward to retiring before you turn 62, this column was written with you in mind. If you retire this young, you won't be able to collect Social Security. But there is a special payment under FERS that ...

Taking Your Lumps

January 19, 2007 Are you planning to retire in 2007? If so, it's likely that you've been thinking about how to make the most of the lump-sum payment you'll have coming for unused annual leave. Many employees save up every hour they can before retiring at the end of the year. But there ...

‘Survivor:’ Federal Edition

January 12, 2007 This week, I am going to take on a topic that always sparks a lively discussion during my seminars: whether or not to get a survivor annuity for your spouse. In the federal system, you can make regular payments through a reduction in your retirement annuity in exchange for a ...

Getting Ready

January 5, 2007 More and more people are planning and preparing for retirement. In fact, there are waiting lists at many federal agencies for pre-retirement counseling and seminars. The whole process can be overwhelming. If you're serious about preparing to move on to the next stage of your life and career, here are ...

Looking Ahead

December 22, 2006 This will be my last column of 2006, so I thought I'd take the opportunity to look ahead to what's going to happen in 2007. There are the usual annual changes to anticipate in Social Security, Medicare and federal retirement benefits programs. And there are a few things that folks ...

Test Your Retirement Knowledge

December 15, 2006 At schools around the country, the end of December is exam time. So now it's your turn. This week, I present a brief retirement quiz. The test applies to people covered by either the Civil Service Retirement System or the Federal Employees Retirement System. Ready? Then let's begin. Any employee ...

Final Health Plan Tips

December 8, 2006 As you should know by now, the 2006 open season for changing health plans, enrolling in a new dental or vision plan, or signing up for a flexible spending account ends this coming Monday, Dec. 11. As we approach this final weekend to decide on options for 2007, here are ...

Last-Minute Shopping

December 1, 2006 We're in the stretch run on this year's health benefits open season, with only a little more than a week to go. If you're still contemplating all the choices you have this year, you might want to keep the following tips in mind. Usual and Customary Knowing what the "usual ...

Choosing Dental Coverage

November 17, 2006 Just like you, I'm looking forward to having dental and vision benefits next year through the Federal Employees Dental and Vision Insurance Program. I've been busy analyzing the new federal dental plans to see which one will be best for my family. I thought you might benefit from taking an ...