Q&A: Help! I’m enrolled in both Medicare & FEHB and I need to change that. What should I do? Question Hello Stephen, I am currently enrolled Medicare Parts A & B, and seemingly D as well. I also have FEHB. As such, I am paying for two health insurance plans – 299.26/mo by FEHB and $298 by Medicare (through the
Should I front-load money into the TSP in the year I retire? Read my answer to this question from a federal employee about retirement and their TSP
Can excess annual leave (that gets paid lump sum upon the employee’s retirement) be rolled into the TSP or IRA? For federal employees.
Q&A: TriCare and FEHB Question I know FEHB has a 5-year requirement. I currently have TriCare, but want to make sure I satisfy FEHB’s 5-year rule, so I was planning to enroll in FEHB. But then I will be paying for 2 insurances. Do you think it’s worth it? Answer Your TriCare will count toward
Q&A: Is it worth it to enroll in a HDHP plan with the HSA for just 1 year? Question I am not currently in a high deductible plan (HDHP). I am wondering what your thoughts on my changing to one for this coming year, which will be the last year I’ll be able to put
What’s better: FEHB or Medicare? Important note: In this article I am only referring to Medicare A, B and D; I’m not getting into the various Medicare Part C plans (known as Medicare Advantage plans. So, which is better – Medicare or FEHB? While it’s not a fair question because there are dozens of FEHB plans
Q&A: Will I need a double RMD in 2021? Question Due to the waiving of RMDs in 2020, If I am 71 now and retire in November 2020 when must I take the first RMD from the Thrift Savings Plan? Another way to ask the question is the following: For a person who is 71
Q&A: Should we take Medicare B or stay with FEHB (FedBlue)? Question Hello Stephen, I am a federal retiree. My husband and I are on my fed blue. He is still working and just turned 65 and I will be 65 next year. We have high income / our analysis is the Medicare part b
Q&A: Should I take my divorced spousal Social Security benefit? Question Hello Mr. Zelcer: I just turned 66 in March and is planning to retire from Federal Service the end of January 2021. I am eligible to receive my divorced spouse benefit under Social Security. My question is it worth it to take my ex-spouse
Q&A: Does diversification require being invested in all the TSP funds, including the I fund? Question Stephen, Thanks for your class on the L funds and how the I fund is inefficient. After thinking about it, I don’t recall anyone asking about diversification. One of the benefits of the L fund is diversification. I know
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