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 291-300 of 529

Medicare coverage deserves a second look during open season, experts say

November 24, 2010 This year's Federal Employees Health Benefits Program open season runs through Dec. 13. Many federal retirees and those planning for retirement have asked, "Why do I need Medicare if I already have health insurance under FEHBP?" The fact is, in many cases it makes sense to have both FEHBP and...

Disability Decisions

November 19, 2010 You might have noticed that during the annual Federal Employees Health Benefits open season, which is under way right now, there are no disability insurance plans to choose from. Federal employees have group health benefits, dental and vision coverage, flexible spending accounts, and access to group life insurance and long-term...

Medicare Questions

November 12, 2010 In last week's column, I noticed that many of the comments that followed sought further clarification about how Medicare works in conjunction with the Federal Employees Health Benefits Program. This week, I'll address some of those questions. What was not specifically mentioned in this article is the effect on your...

Don’t Forget Medicare

November 5, 2010 This year's Federal Employees Health Benefits Program open season starts on Monday, and runs through Dec. 13. Many federal retirees and those planning for retirement ask me, "Why do I need Medicare if I already have health insurance under FEHBP?" The fact is, in many cases it makes sense to...

Trick or Treat

October 29, 2010 The secret is finally out: the Office of Personnel Management still processes retirement claims in 2010 much the same way it did in 1920. The process remains paper-based, requiring a human being to sift through the paperwork documenting an employee's career to be sure that he or she is receiving...

COLA Crunch

October 22, 2010 I will admit some of the recently released numbers regarding Social Security benefits have got even me confused. It's not just that there's no increase in the cost-of-living adjustment for the second year in a row -- which also, of course, affects government retirement benefits, such as annuities under the...

Golden Opportunity

October 15, 2010 I need to apologize upfront to my Federal Employees Retirement System readers this week. I know about 80 percent of government workers now are covered under FERS, but I didn't want to miss an opportunity to share a golden opportunity with my Civil Service Retirement System readers. Both FERS and...

(Almost) Free Health Insurance

October 8, 2010 Last week, the Office of Personnel Management announced 2011 premium changes for the Federal Employees Health Benefits Program. Some of you will see your premiums increase by as much as $100 per month, although the average increase is much smaller. This week, I want to introduce you to a type...

Life Insurance Lessons

October 1, 2010 Do you remember the last time there was an open season for the Federal Employees Group Life Insurance program? It was September 2004. And do you remember that any changes made at that time didn't take effect until a year later -- and why that is significant? It means that...

Getting Help

September 24, 2010 As hundreds of thousands of federal employees confront the prospect of retirement, they face a series of critical questions, including: Can I afford to retire? How much should I be saving in my Thrift Savings Plan, and where should I invest it? What should I do with my TSP investments...

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