Retirement Planning Retirement PlanningRetirement Planning
Advice on how to prepare for life after government.

How To Make Sure You Get What You Deserve

                               Flickr user frankieleon

You don’t need to become a retirement specialist to adequately prepare for your post-government years. But it is important to become familiar and confident about the retirement benefits you’re entitled to receive based on your federal career.

The best safeguard against any kind of mistake in calculating your benefits is knowledge. Here are some steps you can take to ensure you get the benefit you’ve earned:

Attend a pre-retirement or mid-career planning seminar, if available from your agency or a private vendor.

Take advantage of online training opportunities. Here are a few examples:

Get basic information about the Civil Service Retirement System, the Federal Employees Retirement System, the Federal Employees Health Benefits Program, the Federal Employees Group Life Insurance program, the Thrift Savings Plan and Social Security:

Be sure that those who may have access to benefits you’ve earned remain informed. These include:

  • Your spouse
  • Guardian of your unmarried dependent children
  • Former spouse with court-ordered benefits
  • Beneficiaries of your TSP, CSRS or FERS, and FEGLI benefits
  • Designated survivor beneficiary of your CSRS or FERS retirement

I read an article recently about the common traits of highly intelligent people and found that they can also be important to successful retirement planning. Such people are:

  • Are highly adaptable
  • Understand how much they don’t know
  • Have insatiable curiosity
  • Ask good questions
  • Are ensitive to other people's experiences
  • Are open-minded
  • Are skeptical

Most of us only retire once (or maybe twice) in a lifetime. This is a big transition, and it requires prudent planning and decision-making. A smooth transition to life after retirement isn’t guaranteed. Nor is it completely within your control. I believe, however, that if you do your part to raise your awareness and take the time to educate yourself, many of the frustrations, errors and delays that often plague the process can be avoided — or at least alleviated.

Photo: Flickr user frankieleon

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 and provides individual counseling as well as online training for the National Active and Retired Federal Employees Association, Plan Your Federal Retirement and 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

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