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 51-60 of 579

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...

Use the Magic Words to Get What You Want

September 8, 2016 According to Emily Post (and moms everywhere), the magic words are “please,” “thank you,” “I’m sorry,” “you’re welcome,” and “excuse me.” These words show you have good manners and convey kindness, appreciation and awareness of others. They can open doors and make things happen. When it comes to retirement planning,...

Fighting to Protect Your Benefits

September 1, 2016 This week I had the privilege of attending and presenting at the National Active and Retired Federal Employees Association biennial convention in Reno, Nevada. The theme of the convention was “Progress. Protect. Persevere.” NARFE is 95 years old. It was founded in 1921, the year after Congress created the Civil...

7 Questions to Answer Before Buying Life Insurance

August 25, 2016 As I noted in my column last week, September offers a rare open enrollment for the Federal Employees Group Life Insurance program. Feds will be able to enroll in any FEGLI coverage, including Option C, family coverage. There are no health questions to answer and there’s no need for a...

How Much Life Insurance Do You Really Need?

August 18, 2016 When is the last time you evaluated your life insurance needs? Now is a good time to reconsider your options since there will be a rare open enrollment next month for the Federal Employees Group Life Insurance program. During September, feds will be able to enroll in any FEGLI coverage,...

A Retirement Guide for Every Stage of Your Career

August 11, 2016 Last week, we looked at some of the factors federal employees fear could threaten their financial security in retirement. The results came from a recent in-depth research study of federal employees conducted by Government Executive’s research unit, the Government Business Council. Another question posed in this survey that I thought...

Fear of Losing Benefits

August 4, 2016 Recently, Government Executive’s research unit, the Government Business Council, conducted an in-depth research study of federal employees. The results revealed some interesting trends. Most of the people who responded to the survey (68 percent) were planning to retire within the next five years, with another 25 percent saying they were...

Long-Term Care Insurance: What Should You Do About Rate Hikes?

July 28, 2016 If you’ve been reading the news over the past two weeks, you’ve probably heard aboutthe recent large rate hike for participants in the Federal Long Term Care Insurance Program. I’ve been getting quite a bit of mail asking my opinion about what participants should do. A lot of people are...

Is Phased Retirement For You?

July 21, 2016 Slowly but surely, phased retirement is being rolled out in federal agencies. Assuming your agency provides the option, now or in the future, would you consider it? There are several reasons why phased retirement might provide a good way to transition to retirement: You might love your job and your...