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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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Making Your Open Season Choices

November 17, 2016 We’re coming to the end of the first full week of the annual open season for the Federal Employees Health Benefits Program, Federal Flexible Spending Account Program and Federal Employees Dental and Vision Insurance Program. That means you have three weeks (and four weekends) left to make your choices for...

Money-Saving Medicare Tips

November 10, 2016 Last week, we looked at the rising costs of Medicare Part B insurance, which helps cover doctors’ services and outpatient care. Many federal employees and retirees are wondering whether they need to sign up for the increasingly expensive Part B, since they typically already carry Federal Employee Health Benefits Program...

Making Sense of the Medicare Mess

November 3, 2016 Making decisions about insurance coverage is a very important part of retirement planning. In particular, federal retirees have a lot of concerns about Medicare and their coverage under the Federal Employees Health Benefits Program. Those questions are particularly important this time of year, with FEHBP open season just days away....

Tricks and Treats in Retirement

October 27, 2016 Halloween is right around the corner, so this week I’m focusing on tricks and treats in the retirement process. In this context, “trick” means sham, snow job, run around or double-cross. “Treat” indicates a pleasant surprise or satisfactory result. Read the stories below, and see if you can predict which...

8 Myths About Federal Retirement

October 20, 2016 Sometimes it seems like I’ve made a career out of debunking urban legends about federal retirement benefits. Anyone who has worked in a federal personnel office has heard many claims that just simply aren’t true, no matter how many people have passed the information around. Here are some of the...

As Costs Go Up, Benefits Don’t Keep Pace

October 13, 2016 You probably are already aware by now that health care premiums are rising next year, while pay increases and cost of living adjustments for 2017 are nothing to get excited about. Retirees will know for sure after Oct. 18 how much COLAs for Civil Service Retirement System, Federal Employees Retirement...

What Is the FERS Supplement Worth?

October 6, 2016 One of the unique features of the Federal Employees Retirement System is the supplement it offers to younger retirees. About 40 percent of FERS retirees receive the supplement in addition to the FERS basic retirement benefit and income from the Thrift Savings Plan. It is designed to provide additional income...

Best Dates to Retire: Taking Your Leave

September 29, 2016 Last week, I presented my annual calendar showing the best dates to retire in 2017. I noted that there are a lot of different factors to consider in settling on a date, and the best days aren’t necessarily the same for all employees. One of the most significant considerations is...

Best Dates to Retire 2017

September 22, 2016 Download the Best Dates to Retire 2017 Calendar As has been my custom since I started to write this column more than 10 years ago, I am presenting the annual best dates to retire under CSRS, CSRS Offset and FERS for next year. Federal employees can retire the day they...

Social Security Confusion

September 15, 2016 Last week, we looked at the importance of using the magic words when asking questions about your retirement benefits. This week, let’s look at a specific example of how this principle came into effect for a federal employee trying to navigate the changes in the Social Security law passed late...