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 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

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How To Make Sure You Get What You Deserve

June 2, 2016 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...

Sometimes, Your Benefit Really Is Too Small

May 26, 2016 I love it when a story has a happy ending, don’t you? Some of you may remember last year I wrote about a widow named Janet who was the surviving spouse of a Civil Service Retirement System-Offset retiree. Janet suspected she was being shortchanged by a significant amount in her...

Getting the Best Deal on Life Insurance

May 19, 2016 Last week, we looked at the options available under the Federal Employees Group Life Insurance program. Now let’s see how the plan stacks up against other alternatives. Federal employees are required to pay two-thirds of the premium rate for basic FEGLI coverage, while employers in the private sector generally cover...

The Other Open Season This Year

May 12, 2016 Earlier this year, I wrote about a rare event coming up this fall: an open season for the Federal Employees Group Life Insurance program. FEGLI is the largest group life insurance program in the world, covering over 4 million federal employees and retirees, as well as many of their family...

What If...?

May 5, 2016 Last week, I told a cautionary tale about the costs of long term care and the Federal Long Term Care Insurance Program. The column drew a lot of response. Some of you wanted to know more about the possibility of self-insuring against the need for long-term care. According to an...

Why You Should Care About the Long Term

April 28, 2016 If you purchased federal long term care insurance before Aug. 1, 2015, it’s time to brace yourself for another increase to premiums this summer. You may recall that in 2009, premiums rose up to 25 percent for some enrollees in the Federal Long Term Care Insurance Program. Then, those who...

Social Security: To Delay or Not to Delay?

April 21, 2016 Federal retirees under both the Civil Service Retirement System and the Federal Employees Retirement System earn a government pension and have the opportunity to accrue investment income in the Thrift Savings Plan. Nevertheless, Social Security can still be a significant part of a federal employee’s retirement package. The Social Security...

Buying a Bigger Retirement Benefit

April 14, 2016 Last week, we looked at the importance of service credit in the federal retirement planning process. This week, let’s dig deeper into the issue of service credit deposits and redeposits. In general, such deposits come into play in cases where you have performed federal service without having retirement deductions withheld...

Are You Getting the Credit You Deserve?

April 7, 2016 In my experience, among the most confusing topics for federal employees planning for retirement is the issue of service credit and service credit deposits. This is an important topic because service credit plays a very important role under both the Civil Service Retirement System and the Federal Employees Retirement System....

Are Your Retirement Dreams Realistic?

March 31, 2016 The history of federal employee retirement systems dates back less than 100 years. The Civil Service Retirement System was created in 1920, the Social Security system was signed into law in 1935 and the Federal Employees Retirement System, with its Thrift Savings Plan, came along in 1986. For decades, employees...

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