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.

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Making Your Best Bet on Social Security

December 15, 2016 Almost everyone needs to decide when to claim their Social Security retirement benefit between age 62 and 70. The only exception would be those claiming disability benefits or benefits based on the death of a spouse, former spouse, or a parent. Everyone else has the same eight-year window to figure...

Last Chance for Open Season Changes

December 8, 2016 As everyone knows, the holidays can be a stressful time. And years ago the federal government decided to add to the pressure by scheduling the annual Federal Employees Health Benefits Program open season during this period. Why couldn’t they have picked February or March? I’m ready for this open season...

Open Season Q&A

December 1, 2016 Throughout the Federal Employees Health Benefits Program open season, my email inbox has been filled with questions about insurance choices. This week, I thought I’d share some of them in the hopes they might help you consider your open season options. You have a little more than a week to...

Making Your Open Season Choices

November 17, 2016 We’re coming to the end of the first full week of the annual open season for the Federal Employees Health Benefits Program, Federal Flexible Spending Account Program and Federal Employees Dental and Vision Insurance Program. That means you have three weeks (and four weekends) left to make your choices for...

Money-Saving Medicare Tips

November 10, 2016 Last week, we looked at the rising costs of Medicare Part B insurance, which helps cover doctors’ services and outpatient care. Many federal employees and retirees are wondering whether they need to sign up for the increasingly expensive Part B, since they typically already carry Federal Employee Health Benefits Program...

Making Sense of the Medicare Mess

November 3, 2016 Making decisions about insurance coverage is a very important part of retirement planning. In particular, federal retirees have a lot of concerns about Medicare and their coverage under the Federal Employees Health Benefits Program. Those questions are particularly important this time of year, with FEHBP open season just days away....

Tricks and Treats in Retirement

October 27, 2016 Halloween is right around the corner, so this week I’m focusing on tricks and treats in the retirement process. In this context, “trick” means sham, snow job, run around or double-cross. “Treat” indicates a pleasant surprise or satisfactory result. Read the stories below, and see if you can predict which...

8 Myths About Federal Retirement

October 20, 2016 Sometimes it seems like I’ve made a career out of debunking urban legends about federal retirement benefits. Anyone who has worked in a federal personnel office has heard many claims that just simply aren’t true, no matter how many people have passed the information around. Here are some of the...

As Costs Go Up, Benefits Don’t Keep Pace

October 13, 2016 You probably are already aware by now that health care premiums are rising next year, while pay increases and cost of living adjustments for 2017 are nothing to get excited about. Retirees will know for sure after Oct. 18 how much COLAs for Civil Service Retirement System, Federal Employees Retirement...

What Is the FERS Supplement Worth?

October 6, 2016 One of the unique features of the Federal Employees Retirement System is the supplement it offers to younger retirees. About 40 percent of FERS retirees receive the supplement in addition to the FERS basic retirement benefit and income from the Thrift Savings Plan. It is designed to provide additional income...