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

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.

Pay & Benefits

Did you forget to file for Social Security?

Federal employees older than 70 may be leaving thousands on the table. Find out if you or your spouse are missing Social Security benefits.

Pay & Benefits

Bill would give all workers federal-level retirement benefits

A sweeping proposal could extend Federal Employees Retirement System–level pensions to the private sector, reshaping how Americans plan for retirement.

Pay & Benefits

As Social Security turns 90, lessons from the past can guide its future

From hurricane preparedness to policy reform, history shows how learning from past challenges can shape a stronger Social Security system moving forward.

Pay & Benefits

How federal employees can check if their retirement estimate is accurate

Estimating your post-retirement income isn’t just math, it’s about getting the right data, understanding your service credit and avoiding costly missteps.

Pay & Benefits

Why federal retirements are spiking this year

A sharp rise in retirement claims may be tied to fear instead of planning. If you're eyeing the exit, make sure you're not rushing into something you'll regret.

Pay & Benefits

OPM’s digital retirement application is live. What that means for feds planning to retire

The new electronic retirement system promises a faster, more accurate process, but some users are still adjusting to the change.

Pay & Benefits

What’s really going on with Social Security? Here’s what the latest numbers say

Benefits won’t disappear in 2033, but the clock is ticking. Here’s what federal retirees need to know.