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 391-400 of 534

The Index: 2009 Edition

January 9, 2009 Last year, my index to previous columns was a hit with readers, so I thought I'd provide an update with the best columns of 2008 added and a few outdated columns deleted. Looking back over the year, I spent a fair amount of time on service credit issues and specific...

Holiday Wishes

December 19, 2008 I will be taking a break from my weekly column until after New Year's. So for my final column of 2008, I thought I'd create a wish list of changes that, if enacted, would improve retirement prospects for federal employees. Some items on this list would require the cooperation of...

Part B, Part Three

December 12, 2008 In the past two columns, I've looked at Medicare and retirement, especially issues surrounding Medicare Part B. While yet another week of Medicare information might be testing my audience, there were enough questions and comments during the past couple of weeks that I'd like to go back to the well...

Medicare, Part B

December 5, 2008 In my last column, I started to unravel the mysteries of Medicare. This week, as promised, I'll look at a key question: Do you need Medicare Part B? To recap, Part B covers outpatient care and doctor visits. It is designed to fill gaps in coverage left under Part A....

Medicare Mysteries

November 21, 2008 I have spent the past 20 years trying to understand the relationship between the Federal Employees Health Benefits Program and Medicare. I think I know more than I did a couple of decades ago, but that isn't saying much. I thought I would take some time during this open season...

Review Time

November 14, 2008 Open season is in full swing. There are only 24 days left to choose your health plan, decide on dental and vision coverage, and figure out how much to put away in a flexible spending account. If you haven't done so already, you need to set aside some time to...

Dental Check-Up

November 7, 2008 Have you purchased dental insurance? I have family coverage, and since I'm reevaluating our situation, I thought I would take you through my thought process on whether we will continue this coverage next year. My family includes myself, my husband and a son who is 20 years old. We have...

High Interest

October 31, 2008 Happy Halloween! Are you haunted by the looming Federal Employee Health Benefits Program open season? Stick with me during the next few weeks, and I'll provide resources and information to help you make decisions on your health, dental and vision coverage, and flexible spending account contributions. Last week's column on...

Considering HDHPs

October 24, 2008 The annual federal health benefits open season is right around the corner. This year, it runs from Nov. 10 to Dec. 8. Federal employees and retirees will be able to select new health, dental and vision plans, as well as set flexible spending account allotments for 2009. If you want...

Deep Breath

October 17, 2008 It's been quite a couple of weeks for newspaper headlines. Take this one from last Sunday's Washington Post: "Retirement Wreck." Or how about this one from the Wall Street Journal: "What to Down in a Down Market." (That was about the kind of whiskey you should drink to calm your...

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