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

Second Thoughts on Retiring This Year

Inflation makes a would-be retiree feel like a deer in the headlights.

  • Tammy Flanagan
Pay & Benefits

‘It’s Time For Me To Go Fishing’

The first steps to take after you’ve decided to retire.

  • Tammy Flanagan
Pay & Benefits

Social Security, COLAs, Earnings Limits and More

Answers to reader questions on pressing issues. 

  • Tammy Flanagan
Pay & Benefits

The Difference Between a COLA and a Pay Raise

And why you won’t get the full effect of either if you retire on Dec. 31, 2022.

  • Tammy Flanagan
Pay & Benefits

Life Insurance for Retirees

The rules and options for continuing coverage into retirement. 

  • Tammy Flanagan
Pay & Benefits

Life Insurance for Current Employees

Assessing your coverage options.

  • Tammy Flanagan
Pay & Benefits

Figuring Out How Much Life Insurance You Need

It depends on several factors.

  • Tammy Flanagan
Featured eBooks
The Biden Management Agenda
The Identity Challenge
Joint All Domain Command & Control (JADC2)
Pay & Benefits

The Rewards of Giving and Receiving Great Public Service

They’re not just financial.

  • Tammy Flanagan
Pay & Benefits

When the Sum in a Lump Sum Payment Falls Short

Some employees who retired at the end of last year got smaller payments than expected.

  • Tammy Flanagan
Pay & Benefits

When to Leave to Maximize Your Lump Sum Annual Leave Payment

The best dates to retire in the coming years to get the most out of what you’re owed for unused time off.

  • Tammy Flanagan
Pay & Benefits

Why So Many People Retire at the End of the Leave Year

It’s all about lump-sum payments. 

  • Tammy Flanagan
Pay & Benefits

How You Can Get Better Customer Service

Tips on getting the result you’re looking for when you reach out for help.

  • Tammy Flanagan
Pay & Benefits

These Agencies Are Trying To Get Better at Providing Retirement Services

Three key organizations are working to improve the customer experience of federal employees and retirees.

  • Tammy Flanagan
Pay & Benefits

The Numbers That Matter in 2022

Key figures that might affect your retirement planning this year. 

  • Tammy Flanagan
Featured eBooks
The Biden Management Agenda
The Identity Challenge
Joint All Domain Command & Control (JADC2)
Pay & Benefits

4 Women Who Shaped Modern Retirement

Stories of pioneers in creating the federal government’s retirement safety net, and reaping its benefits.

  • Tammy Flanagan
Pay & Benefits

Postal Reform Measure Could Affect All Federal Retirees’ Health Benefits

Law requires postal retirees to enroll in Medicare. 

  • Tammy Flanagan
Pay & Benefits

The Normal Retirement Age May Be on the Way Up

It’s one way to help keep Social Security solvent. 

  • Tammy Flanagan
Pay & Benefits

Make a Plan to Save, and Watch Your Money Grow

Setting a goal and sticking to it is the path to a comfortable retirement.

  • Tammy Flanagan
Pay & Benefits

What to Consider When Considering Disability Insurance

Look before you leap into buying a short- or long-term policy.

  • Tammy Flanagan
Pay & Benefits

Why Don’t Feds Get Disability Insurance?

Uncle Sam provides other options. 

  • Tammy Flanagan