Author Archive

Tammy Flanagan

Tammy Flanagan

Retirement Counseling and Training www.retirefederal.com

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.retirefederal.com 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 NITPInc.com.

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.retirefederal.com 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 NITPInc.com.

Pay & Benefits

Open Season: Medicare Advantage or Disadvantage?

Medicare Advantage options have only been offered through Federal Employees Health Benefits Program carriers since 2021 and may provide benefits that are not covered under traditional Medicare.

  • Tammy Flanagan
Pay & Benefits

Open Season and tax savings

Spending a few hours reviewing your options for 2024, may save you a few hundred or even a few thousand dollars next year.

  • Tammy Flanagan
Pay & Benefits

Answers to some of your common questions about CSRS and FERS

Federal retirement expert Tammy Flanagan says “the devil is in the details.”

  • Tammy Flanagan
Pay & Benefits

Medicare Part D is coming to an FEHB plan near you

The prescription drug benefit is being automatically added to many of the FEHB program options for the 2024 plan year.

  • Tammy Flanagan
Pay & Benefits

Time for the fall deadlines

A checklist to help you prioritize as you sort through your federal retirement and insurance benefits.

  • Tammy Flanagan
Pay & Benefits

Survivor Benefit confusion: part two

What about insurance instead of a survivor benefit election?

  • Tammy Flanagan
Pay & Benefits

Survivor Benefit confusion: part one

Choosing a survivor benefit should be a very simple decision, but often it can be complicated.

  • Tammy Flanagan
Featured eBooks
Army Trends
CDM
VA Transformation
Pay & Benefits

World Investor Week: Learn more and protect yourself

The global campaign promoted by the International Organization of Securities Commissions aims to raise awareness about the importance of investor education and protection.

  • Tammy Flanagan
Pay & Benefits

How to Deal with the Latest Long Term Care Rate Hikes

You can keep premiums under control, but it means reducing benefits.

  • Tammy Flanagan
Pay & Benefits

Best Dates to Retire 2024

Looking forward to moving on next year? Here’s a calendar showing optimal dates.

  • Tammy Flanagan
Pay & Benefits

A Question of Survival

Two questions, actually, from readers about survivor benefits. 

  • Tammy Flanagan
Pay & Benefits

FERS, MRA+10, FEHB and more

An acronymic Q&A with readers.

  • Tammy Flanagan
Pay & Benefits

Working and retiring in tandem

Married feds have some unique issues to consider.

  • Tammy Flanagan
Pay & Benefits

Solving the phased retirement puzzle

What can you expect in actual income?

  • Tammy Flanagan
Featured eBooks
Army Trends
CDM
VA Transformation
Pay & Benefits

How phased retirement works

The ins and outs of a program that a lot of feds are curious about.

  • Tammy Flanagan
Pay & Benefits

Reconsidering a reduced retirement

A further exploration of what’s known as MRA+10.

  • Tammy Flanagan
Pay & Benefits

When you need to get the most out of your benefits: part three

The final installment in a series about dealing with serious situations.

  • Tammy Flanagan
Pay & Benefits

When you need to get the most out of your benefits: part two

The second in a series about dealing with serious situations.

  • Tammy Flanagan
Pay & Benefits

When you need to get the most out of your benefits: part one

The first in a series on dealing with desperate situations.

  • Tammy Flanagan
Pay & Benefits

There are more Social Security benefits than you might think

And each comes with its own rules and stipulations. 

  • Tammy Flanagan