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.

Results 411-420 of 524

TSP and Taxes

May 23, 2008 Do you know the circumstances under which you can withdraw funds from your Thrift Savings Plan account without a tax penalty? Are your heirs aware of the tax implications of the choices they will have to make about the funds in your account after you're gone? These two issues come...

Words of Wisdom

May 16, 2008 Do you ever wonder what retirement will be like? Last weekend I had the pleasure of spending time with my father's brother, Steve Kukic (who is a young 85), and his (even younger) wife, Helena. They retired as civilian federal employees from Edwards Air Force Base in the mid-1970s. Uncle...

Federal vs. Private

May 9, 2008 In a recent piece in the Wall Street Journal, Dallas Salisbury of the Employee Benefit Research Institute detailed how private sector benefits have changed since World War II. That got me thinking about the changes that have occurred in the federal government in the years since the Civil Service Retirement...

Social Issues

May 2, 2008 Social Security is a topic I cover in every one of my retirement seminars, and I wrote about it in a column a couple of months ago (Getting Social, March 7). Everybody, it seems, is familiar with the program, but many government folks are unclear about exactly how it might...

Survivor Benefits: Q&A

April 25, 2008 Last week's column on survivor benefits led to a series of questions and comments. This week, I'll try to address some of them. Does there have to be at least a nominal monthly survivor benefit for the surviving spouse for that spouse to continue being covered under the retired spouse's...

Supporting Your Survivors

April 18, 2008 Are you providing financial support for someone? That could be a spouse, dependent children, a disabled relative or an aging parent. As you consider your own retirement, you also should consider what might happen to these people if you die before they do. Available Benefits Here is a list of...

Make Retirement Easy

April 11, 2008 Last week, we looked at some of the reasons for delays in processing retirement applications. The Office of Personnel Management is trying to address that issue with its retirement systems modernization project, which now goes by the name RetireEZ. The Office of Personnel Management says the new system is working...

Delayed Gratification

April 4, 2008 If you had retired at the end of 2007, by now you probably would be thinking that you should've received your third full retirement check, for the month of March. (January and February, presumably, would have come in earlier checks.) But if you had anything but a straightforward career --...

Continued Coverage, Continued

March 28, 2008 To use an old cliché, last week's column, in which I took up continuing coverage under the Federal Employees Health Benefits Program into retirement, opened up a can of worms. I wanted to address some of the questions to clarify key issues. What percentage of my retirement annuity or amount...

The Five-Year Test

March 21, 2008 The issue of maintaining health insurance coverage is very important for federal employees getting close to retirement. Those who carry insurance under the Federal Employees Health Benefits Program into retirement enjoy annual health benefit open seasons, continued government contributions toward the cost of premiums and coverage for family members. To...

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