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.

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.

Pay & Benefits

The federal leave options employees can use when annual and sick time run out

From unpaid leave to parental and military leave, federal workers have multiple options for time off under specific circumstances.

Pay & Benefits

Federal retirees face new COLAs, premiums and earnings limits in 2026

Annual adjustments to retirement benefits, FEHB costs, Social Security rules and TSP limits are now taking effect.

Pay & Benefits

Could this be true? 

An influx of federal retirees due to the Deferred Resignation Program and other separation programs has led to a litany of new questions on how to receive retirement benefits.

Pay & Benefits

How federal retirement benefits are calculated and where estimates go wrong

High-three pay, length of service and overlooked reductions can significantly change retirement payouts.

Pay & Benefits

OPM inspector general flags top management challenges for fiscal 2026

The latest report highlights staffing reductions, rising retirement claims and ongoing customer service and improper payment concerns.

Pay & Benefits

Retiring soon? Key decisions every federal employee must make

From survivor benefits and health coverage to leave payouts and TSP choices, federal employees nearing retirement face deadlines that can permanently shape their finances.

Pay & Benefits

OPM’s retirement application pile remains large as the year draws to a close

New retirees awaiting full benefits may face holiday heartache as the backlog swelled to nearly 50,000 by the end of November.

Pay & Benefits

Just days remain to lock in 2026 health and benefit choices

Open Season closes Dec. 8. Review FEHB and PSHB plans, savings opportunities, HDHP and FSA options and enrollment rules before the deadline.

Pay & Benefits

Mailbag Week: Retirement applications and processing

A look at common retirement-processing snags, what causes delays and where OPM’s newer systems fit into the picture.

Pay & Benefits

How federal employees over 65 can navigate Medicare, FEHB and TRICARE

Understanding Medicare enrollment, FEHB coverage, and TRICARE can help retirees avoid penalties, save money and coordinate benefits effectively.

Pay & Benefits

OPM’s new blog touts modernization while retirees wait for answers during the shutdown

In his “Secrets of OPM” posts, Director Scott Kupor outlines efforts to digitize retirement processing and improve efficiency, but offers little guidance for those caught in the shutdown backlog.

Pay & Benefits

What federal employees need to know about Medicare enrollment

An updated guide to timing, parts, costs and coordination so you don’t get stuck with penalties or surprises at 65.

Pay & Benefits

Shutdown or not, there are things to do 

The government shutdown has raised lots of questions about the retirement process, and retirement benefits, for federal employees while agencies remain closed. Here are some of the most pressing answers.

Pay & Benefits

What to know when your child ages out of federal health coverage

Children can stay on a parent’s FEHB or PSHB plan until 26, but understanding the 31-day extension, conversion options and Temporary Continuation of Coverage is key to avoiding gaps.

Pay & Benefits

What to expect while you’re expecting (your retirement benefit, that is)

The OPM director uses his weekly updates to detail efforts to replace paper applications, guide employees through the Online Retirement Application system, and address delays and data issues in retirement processing.

Management

The end of the ‘Fork in the Road’

A new online retirement system, coupled with record summer claim volumes, has created delays and confusion for federal employees transitioning to annuitant status, even as OPM works to streamline processing and reduce errors.

Pay & Benefits

The best dates to retire in 2026

Step into retirement on the right day with this annual guide.

Pay & Benefits

What to know before setting your 2026 retirement date

Immediate vs. deferred retirement, the three-day rule, and why the last day of the month often makes the most sense.

Pay & Benefits

The milestone ages that matter most for retirement planning

From catch-up contributions to required distributions, federal employees face key ages that can shape retirement income, benefits and tax planning.