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

Results 351-360 of 533

Buying Long-Term Care Insurance

October 16, 2009 Last week we discussed the importance of investigating whether you need long-term care insurance. This week, we'll go a step further, taking a more in-depth look at the Federal Long-Term Care Insurance Program and how it has changed from its original offering to the new version 2.0. Remember, long-term care...

Long-Term Care Considerations

October 9, 2009 By now you might have heard that version 2.0 of the Federal Long-Term Care Insurance Program is being rolled out. Or maybe you didn't even know there was a version 1.0. This week we'll review the reasons why it is smart to consider a long-term care policy as part of...

Social Security 301

October 2, 2009 My column on Social Security two weeks ago drew a lot of response from readers, and last week I addressed some of them. This week, I'd like to finish up the subject by taking on a few more lingering questions. Will I be able to collect any Social Security when...

Social Security 201

September 25, 2009 Based on the responses to last week's column on Social Security, some further explanation is in order. Let's take a look at some of your questions and comments. If you're in your 40s, don't even plan on Social Security being around when you retire. That is the safe bet! The...

Social Security 101

September 18, 2009 Social Security used to be a topic of little interest to federal employees, since few government workers had coverage and they were exempt from FICA taxes while working under the Civil Service Retirement System. Most questions revolved around the evil twins (as Mike Causey calls them): the Windfall Elimination Provision...

Pop Quiz

September 11, 2009 In the spirit of the post-Labor Day return of students across the country to school, this week's column is a pop quiz. It consists of a series of statements, with responses below them. You have to decide which response is correct. The first three statements pertain to Civil Service Retirement...

Best Dates to Retire: Follow-Up

September 4, 2009 Since September already has rolled around, those who are planning to leave federal service at the end of the year might be starting to look over your retirement applications. In larger agencies, employees must turn in their applications two to three months prior to their retirement date. Filling in the...

Communication Mistakes

August 28, 2009 According to Stever Robbins, president of a Massachusetts business coaching service, there are seven mistakes managers make when communicating. These mistakes apply to the communications between federal employees and agency retirement specialists as well. Out of frustration, many employees blame their benefits coordinators for failing to provide accurate or important...

Social Security’s Top 10

August 21, 2009 I had the pleasure this week of interviewing Lester Austin, longtime public affairs specialist at the Social Security Administration. He was a guest on the Federal News Radio show that I co-host with Bob Leins of the National Institute of Transition Planning called "For Your Benefit." Austin was full of...

The Inevitable

August 14, 2009 I know it's the middle of summer, when most of us are focused on vacations and picnics. But I recently received some sad news about a family member, and it forced me to think about preparing for this kind of news when it comes into our lives. Specific benefits are...

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