Post Retire Jounal Entries from 6/1/2006 to 11/27/2006

Estate Planning Series
The Author's Personal Post-Retirement Journal (8)

From 6/1/06 through 11/27/06

The following journal entries runs from June 1, 2006 through November 27, 2006. Click current journal entries to return to the most recent entry. This section is devoted to preparing for retirement, estate planning, and compiling your personal "Survivor's Guide" binder.

You may have the same questions or concerns and hopefully these entries will help you prepare for your retirement and to develop your personal estate plan, wills, trusts and health directives. Visit retirement planning to get answers to many of your retirement questions. Parts of this journal may relate to your personal situation. If you would like to comment on a journal entry, this site in general, or to let us know what other areas you would like covered, send an e-mail to ddamp@aol.com. You will find other articles of mine online at Monster.com.

PREPARATION is the key to a successful retirement and this site is devoted to guiding you through the federal retirement maze and includes information on benefits, general retirement issues, and easy-to-use estate planning techniques. It was designed to help you think about the entire picture and not just your annuity and when you can leave. There is considerably more to retirement than meets the eye and this site will help you focus on the critical issues that we all must address at this time in our lives.

Article Index

DISCLAIMER

Readers should seek professional advice concerning their retirement and benefits and for all other areas that require professional clarification and guidance. The author is not a benefits specialist or financial planner and is only relaying his personal thoughts and ideas in this forum. Readers are strongly cautioned to consult with a professional before using any information contained in this forum. No forum can substitute for professional retirement benefits and planning, investment, or medical advice. Caution is urged when using the information contained in the articles that are posted on this site. The authors and publisher are not engaged in rendering retirement planning, benefits, investment, or medical advice or services. If you have a retirement planning, benefits, investment problem or medical concern, you should consult with a qualified professional in that area. Accordingly, the authors and publisher expressly disclaim any liability, loss, damage, or injury caused by the contents posted on this forum.

Tell it Like it Is!
Run...., Don’t Walk Towards Retirement

Now that I’m on my summer schedule, writing articles once a month, I was able to complete a number of projects. It felt good not to be on a strict schedule for a change. The last series of articles focused on how to prepare your personal "Survivor’s Instructions and Guide" binder. I spent about 15 hours during May updating my binder. The wills and trusts didn’t change but most sections of the binder had at least some minor changes to account for. The annual update is a good exercise and shows you where you stand financially, how your investments are doing, identifies any changes in your various accounts and lists, and your asset allocations. We also reviewed and signed new health directives. It will take some time on your part to put together you personal Survivor’s Instructions and Guide, however, the time will be well spent. If you missed the articles on this subject read the articles starting on April 17, 2006 to learn how to compile you personal "Survivor’s Instructions and Guide" binder.

The further you travel into retirement the more natural it becomes. Right now, I couldn’t imagine going back to my pre retirement routine. It’s so much better - from my perspective - when you are in control, not having to work to meet others expectations, and have the latitude to set your priorities and make your own schedule. I can remember the months leading up to my departure. Naturally, when confronted with change doubt creeps in to your subconscious. I’m so glad that I didn’t hesitate and jumped across the finish line at age 55. I’m not suggesting a "leap before you look" mentality, simply review your options, weigh the pros and cons, and judge for yourself whether it’s worth the effort to make this life confirming change called RETIREMENT. For me personally, I’m elated that I ran towards the door when it first opened. In my case I had 35 years and 7 months with Uncle Sam in one capacity or another and I really appreciate not having that collar on now. Retirement opens so many new and exciting doors for those willing to explore new horizons.

It has taken me some time to adjust to this new routine and if you recall from earlier journal entries I have always had trouble getting a good nights sleep. Since retiring I’ve not slept beyond 7:30 in the morning and in most cases I’m awake by 4 or 5 a.m. Surprisingly I slept to 8 a.m. this morning and my wife wanted to know what was wrong! I’m finally starting to sleep more soundly and getting at least 5 to 6 hours a night of sleep. Something I haven’t done for years, many years. I make time each day for exercise, walking every other day, practicing pilates and lifting hand weights the days I don’t walk. In between all of the extracurricular activities I run a full time business. Overall I feel better than I have for years, my blood pressure is excellent, I’m down to my fighting weight of 170 pounds, and feel pretty good overall. The supplement routine that Chuck Jumpeter, our health awareness advisor, suggested has also helped. I take Shaklee’s high potency multivitamin and mineral supplements and soy protein at the start of each day.

Chuck Jumpeter, our Health Awareness Forum contributing writer, just posted his first article since retiring from the FAA on June 3rd titled "Calm Down - Live a Little!" It is an exceptional article and it has the potential to help everyone deal effectively with stress. A MUST read. Take a few minutes out of your hectic schedule to learn how explore ways to effectively manage stress in your life. Visit http://federaljobs.net/retire/health.htm to read this article or to download the PDF file.

I had a number of retirement questions in May, several asking about the tax treatment of our annuities. The June issue of the National Active and Retired Federal Employees Association Newsletter had a very informative article on this subject. Visit their web site for a summary by state of the tax treatment of your federal annuity. You can read a summary of the article online. The NARFE article also discusses sales tax in each state and other state exemptions for retirees in general. You will also find information on this site concerning this subject at http://federaljobs.net/retire/annuity.htm. Follow the link on the main menu.

Here is my TSP account performance monthly update. I transferred 50% of my TSP account from the G Fund to the L 2020 fund on 1/1/2006. The L 2020 fund dropped from the previous month as noted in the following chart. The market took a significant hit in May however my L 2020 fund is still beating the G fund. The L-2020 fund mix is 34% in the C fund, 19% in the I fund, 12% S Fund, 8 % F Fund and 27% G Fund. The G Fund never goes down even with major market corrections. My total TSP account has increased 2.4% since January 2006. Tune in to "For Your Benefit" this weekend for TSP investment tips.

Retirement Can’t Get Much Better Than This!

I decided to simply reflect on what is going on in my life since retirement and defer part 10 of my Estate Planning series to a later date. It’s now been 19 months since I retired and thankfully, each month just keeps getting better and better. Can’t get much better than this!

I’m totally into my new routine — can’t hardly remember what is was like working 9 to 5 with the FAA anymore. Really, haven’t missed it either. I don’t’ mean this to sound unappreciative. I’m thankful for my good fortune and that I was employed by Uncle Sam all of those years including my DOD, FAA and military time.

During the past year or so I worked my way through various medical and physical fitness issues, expanded my business, took on new responsibilities, ventured forth on several short vacations, investigated things that needed attention, and most importantly.......... learned to look at things from a different perspective.

I recently achieved a major health goal with dramatic results and what I did to achieve these results may benefit others. I’ve been trying to lower my cholesterol for years and finally made it. My doctor has repeatedly recommended cholesterol lowering drugs until recently. Prior to retirement I didn’t evaluate health and other issues to the degree they truly required nor take the actions necessary to achieve the desired results. I often blamed this on my schedule when in reality it was more of a priority issue. Working or not, we all need to focus on what is best for us....... whatever that may be.

My cholesterol readings from my last two checks are noted in the following chart:

Cholesterol Readings
	11/30/2005	7/14/2006
Total	212	188
LDL	141	115
HDL	39	42
Triglycerides	161	155

My LDL/HDL ratio reduced dramatically to 2.74 from the previous check of 3.62. It is believed that keeping this ratio under 3 and near to 2.5 can actually reverse plague build up. Ideally, the LDL level should be 100 or less. The lower the better and the HDL — the good type — should be as high as possible and levels of 45 and up are considered good, below 35 is bad.

I’ve tried just about everything possible to avoid medications and experimented with my diet and exercise for the last 5 years. I watch what I eat and just before retirement I started eating oatmeal every day for breakfast and did see some improvement in my levels. I eat less meat, minimal processed snack foods like chips, more fish and read the labels on the products we buy to insure they are low in cholesterol.

The only change I made between the two checks was to add 2 scoops of Shaklee Soy Protein to my oatmeal at breakfast. Fortunately I’ve known Chuck Jumpeter, our Health Awareness Forum’s Contributing writer, for many years. We worked on numerous projects together while we were both employed by the FAA. Chuck retired this past June. When I was having medical problems that started coincident with my exercise routines he suggested I try soy and several other supplements. Unfortunately, I used the soy that my wife was taking at the time from another company that I found too harsh and gritty so stopped taking it. Starting last November I started adding Shaklee Soy protein powder to my morning oatmeal.

When I went in for my last check I thought for sure my levels were going to go up because I eat a regular dinner, no restrictions, and last month I had steak three times and eat more red meat than I normally do. Much to my surprise the soy did the trick. My new goal is to get my LDL down to 100 and my ratio to an honest 2.5. They say that diet, soy, exercise and weight loss will help lower cholesterol and I’ve done all of that over the past 19 months. I think that everything I’m doing is helping and I do a lot. I exercise every day, walking a 1½ to 2 miles every other day, practice pilates and lift light weights the days I don’t walk, watch what I eat, take supplements and lost about 18 pounds since retiring. However, I was doing all of that long before my November check. The only significant change was adding soy and it lowered my cholesterol readings significantly.

For more information on health related issues read Chuck Jumpeter’s informative article titled Shape Up So You Don't Ship Out! I was able to calculate my Body Mass Index (BMI) using the chart he included in the article and my BMI measured 25.22. A BMI of 25 or less is considered excellent.

I transferred 50% of my TSP account from the G Fund to the L 2020 fund on 1/1/2006. The L 2020 fund recovered from the previous month as noted in the following chart. The market has been erratic for the past several months and the L-2020 Fund shows the volatility that is associated with equity investments. The L-2020 fund mix is 34% C Fund, 19% I Fund, 12% S Fund, 8 % F Fund, and 27% G Fund. The G Fund never goes down even with major market corrections. My total TSP account has increased 2.9% since January 2006.

Date	G-Fund Share Price	L-2020 Share Price	% G / % L 2020
1/1/06	$11.16 (Base)	$13.89 (Base)	50% / 50%
2/1/06	$11.20 +.3%	$14.10 + 1.5%	49.71% / 50.29%
3/1/06	$11.24 +.72%	$14.11 + 1.58%	49.79% / 50.21%
5/1/06	$11.33 + 1.5%	$14.54 + 4.68%	49.23% / 50.77%
5/29/06	$11.37 + 1.8%	$14.30 + 2.98%	49.74% / 50.26%
6/28/06	$11.42 + 2.3%	$13.38 - 3.60%	50.38% / 49.62%
8/1/06	$11.47 + 2.7%	$14.33 + 3.10%	49.91% / 50.09%

Dennis Damp
Retired FAA

Back to article index

Open Season Like None Other, COLAs & More
Federal Employees Dental & Vision Insurance Program (FEDVIP)

The "Federal Employment Health Benefits Open Season" starts November 13^th and ends December 11^th this year. We all have a lot more choices to consider now that we have the new "Federal Employees Dental & Vision Insurance Plan" (FEDVIP) options available. On top of that, retirees can look forward to a Cost of Living Adjustment this January. The CSRS COLA is set at 3.3% and FERS retirees will receive a 2.3% increase.

I spent a day or so reviewing the FEHB and the new FEDVIP plans this week and found some surprises along the way. The new FEDVIP program seems to offer fair priced packages with a good mix of benefits and you have a number of companies to choose from. Generally speaking, costs for our FEHB plans have increased overall, however a few plans did actually have reductions for 2007. My FEHB premiums will increase over 11% from $360.86 to $410.19 per month.

You will find all of the information you need about these plans on OPM’s web site. I also added this information and links on http://federaljobs.net/fed.htm incase the OPM site gets bogged down with visitors due to the new programs offered this year.

The new "Federal Employees Dental & Vision Insurance Plan" (FEDVIP) is divided into two sections, Dental and Vision, and both have their own premium charts. You can purchase coverage for either or both plans. Thankfully Uncle Sam negotiated a three tiered premium system for "Self, Self + 1, and Family" which is a real savings for empty nesters that only have themselves and a spouse to insure. It would be nice if they also had a three tiered system for the FEHB program.

The employee or retiree must pay the full cost of the FEDVIP insurance. Uncle Sam negotiated prices and they don’t pay a part of the premiums like they do for the FEHB program. The monthly costs seem reasonable, maybe because I live in rating area #1 which offers the lowest premiums. Look over your options closely and compare plans. Also, I checked with my dentist to see which companies they accepted and I discovered they only accept three of the listed company’s plans.

Dental plans provide a comprehensive range of services, including but not limited to the following:

The program allows employees to use pre-tax dollars to pay for their vision and dental premiums. However, retirees can’t pay the premiums with pre-tax dollars. NARFE and other organizations are working to get retirees this same benefit.

The rates are based on where you live by zip code and you have to determine your rate (1 to 5) and premium from the following OPM charts:

I am currently considering Met Life’s Standard Option. In rating area #1 the premium for my wife and I (Self +1) is only $31.59 per month. The highest Met Life Standard Option cost for rating area 5 for (Self +1) is $45.80. The coverage includes 100% Standard (A), 55% Intermediate (B), 35% Major ( C) and 50% Orthodontic with a $1,200 annual maximum benefit per person. Several plans offer no maximum benefit limits.

	Bi-Weekly Premiums			Months Between Covered Services
Plan	Self	Self + One	Self and Family	Exam-ination	Lenses	Frames	Exam Copay	Lens Copay	Frame Allowance
BCBS Standard	$3.97	$7.94	$11.92	12	12	24	$0	$0	$130
BCBS High	$5.01	$10.01	$15.02	12	12	12	$0	$0	$130
Spectera Standard	$2.63	$5.13	$7.64	12	12	12	$10	$25	$130
Spectera High	$3.41	$6.65	$9.91	12	12	12	$10	$10	$130
VSP Standard	$3.82	$7.65	$11.47	12	12	12	$10	$20	$120
VSP High	$5.40	$10.81	$16.21	12	12	12	$10		$150

If you have questions, contact OPM at fedvip@opm.gov or call them at (202)606-0745.

For questions regarding the Federal Employees Dental and Vision Insurance Program, contact the customer service representatives at 1(866) 639-3917.

Yes, retiree’s did get a COLA this year and most active feds will get that or more, however our health care premiums increased substantially. In my case over 11% from last year. Retirees with annuities of $20,000 a year or less may see their COLA increase completely consumed by increased health care costs. Still, we are fortunate to have comprehensive health care coverage and now dental and vision care. Many in the private sector have little to NO health insurance coverage or like several people that I know can’t buy coverage because of preexisting condition clauses mandated by many insurance providers.

Thankfully there are many options for us to consider and you can shop around in most locations for price and coverage options that you can live with and afford.

The FEHB program brochures and premium lists are posted on the OPM web site. Use the links that follow to select the coverage available in your local area. If you received this message via my email newsletter you may have to cut and paste the web addresses into your browser. Some network administrator disable email links.

On a personal note, I reviewed "The Fit Traveler, Senior Edition" earlier this month and it has proven to be an excellent resource and I incorporated about 70% of the exercises into my workout routines. The upper body stretch bands exercise different muscle groups and compliment my weight lifting program. I added the lower body and abdominal exercises to my pilates workout. Anyone over 50 or for that matter anyone out of shape at any age will find this book a wealth of information and a fast track to a healthier life. If you missed the book review go to http://federaljobs.net/retire/reviews.htm. We will review at least one book a month that I find beneficial for active and retired feds.

Tune in Saturday’s "For Your Benefit" weekly retirement planning radio talk show this coming Saturday from 10:00 to 11:00 a.m. EST. Visit http://federalnewsradio.com to tune them in live or to listen to the archived show after this date. The topic for the October 28th show is FEHB - Aetna with NITP hosts Tammy Flanagan and Ann Vincent. Visit them each Saturday to get the answers you need to your federal retirement questions. Call 1-866-895-5086 to ask questions during the show or email your questions 24/7 to foryourbenefit@nitpinc.com.

More on Open Season & Retirement Take Home Pay Comparison

I received OPM’s Open Season letter for retired federal employees last week. The letter provides several ways to obtain the information that you will need to make an informed decision. You will also find a summary of plans available in your area that provide additional contact information, costs, enrollment, codes and a wealth of information. It is easier getting information on plans and options now that I’m retired. Prior to retirement I often found it difficult to obtain brochures and general information. OPM developed a comprehensive and easy to use process for retirees. I used several of the methods below to check them out for this article. I also included sources for currently employed feds.

FEHB Benefit Information
Options for federal retirees (requires your claim number to request information)

Retirees can initiate an open season health benefits enrollment change using these two systems. You will need to log in using your retirement claim number.

Open Season Express - Call their toll free number 1-800-332-9798. I used this system to order several provider pamphlets. You have to use the touch tone on your phone to answer a number of questions including providing your retirement claim number, plan enrollment code, and other information.

Open Season Online http://www.opm.gov/retire/fehb - You sign on with your retirement claim number and plans available in your area show up on a check list. You simply place a check mark in the box beside the plans you want to receive and they mail you copies. I found Open Season Online the easiest way to request copies. It only took me several minutes to get online and order what I needed.

Many federal facilities sponsor FEHB fairs that local providers attend from the area to distribute information and answer questions about specific plans. Your personnel office should also provide information. The following two web sites offer rate schedules and plan brochures and are easy to view online or download. You can make changes to your plan by contacting your personnel office or through Employee Express online.

Federal Employees Dental & Vision Plan FEDVIP
For the currently employed and retirees

Enroll Online - http://www.BENEFEDS.com . This site links you to each provider. You can review all plans online, locate dentists that accept the plan in your area, review plan options or print out copies of their brochures. You can enroll online at each site or call their toll free number to enroll by phone. I searched Met Life’s dental data base and found over 50 dentists within 10 miles of my home including the dentist we currently use. Some providers also allow you to search their dental database by specialty which would be very helpful.

Note: Using the rule of 72 you can calculate just how long it will take for your annuity to double. If you estimate an average COLA of 3% a year your annuity will double in 24 years, at 4% it doubles in 18 years. Simply divide the estimated COLA by 72. This also works for your investments. Many S&P tracking index funds try to match the historical 8% to 9% index rate of return. If your investments are earning an average of 8% a year you will double your money in 9 years.

Chuck Jumpeter's new article titled "I'm Not Sick Again...Am I Part II" is now posted on our "Health Awareness Forum." Visit and read this excellent article on the immune system and learn what actions you can take to live healthier.

Tune in Saturday’s "For Your Benefit" weekly retirement planning radio talk show this coming Saturday from 10:00 to 11:00 a.m. EST. Visit http://federalnewsradio.com to tune them in live or to listen to the archived show after this date. The topic for the November 11^th show is MetLife’s FEDVIP program. They will have Marcia Morris, Executive Vice-President, MetLife Employee Benefit Sales on live to answer your questions. NITP hosts will be Tammy Flanagan and Ann Vincent. Visit them each Saturday to get the answers you need to your federal retirement questions. Call 1-866-895-5086 to ask questions during the show or email your questions 24/7 to foryourbenefit@nitpinc.com.

Open Season Selections / Online Sign Up & More

Well, after weeks of reviewing plan brochures, talking with program representatives and fellow retirees, and discussions with my wife we finally decided to change plans. Historically, I opted for HMOs because of the 100% coverage for most costs. This year I decided to compare the Blue Cross & Blue Shield Fee for Service plan to my HMO coverage and analyze the benefits and risks associated with the change. Our decision to change plans was driven by several factors including high HMO premiums. The Blue Cross Basic plan is less than half the cost of our local HMO!

This change wasn’t easy. I read the brochures front to back and still had questions after going through them several times. They are confusing to say the least unless you fully understand the terminology used and terminology can change between plans to a degree. My initial aversion to Blue Cross & Blue Shied coverage was all of the exceptions that are included for non-participating/non-member practitioners and the various Preferred Provider Allowance (PPA) co-pays under the Standard Option and the Catastrophic Benefits limits for both plans.

I was drawn to the Basic Plan because of its simplicity and it feels more like a traditional HMO with some major differences. Instead of PPA fees for many procedures you have co-pays and you are restricted to Preferred Providers within the network just like an HMO. However, the Blue Cross & Blue Shield network providers are available nationwide — an advantage for retirees who like to travel or go south during the winter for extended periods.

After much reading and analysis I came to the conclusion that to make this change you have to be willing to take certain risks. The cost of the plan at $192.82 is considerably less than my 2007 HMO premium of $410.19, a $2608.44 annual health insurance reduction. However, if your family suffers major illnesses and/or ends up in the hospital numerous times throughout the year you may have considerable out-of-pocket expenses. Blue Cross and Blue Should limits your family’s catastrophic losses for out-of-pocket expenses, coinsurance and co-payments, to $5,000 per year. Also, if you use a non-preferred provider none of the costs are covered and in this situation your out-of-pocket expenses could exceed $5,000.

The Basic Plan requires a $100 copay per day up to $500 for 5 days for in hospital stays. After five days all costs are covered. If you and another family member have multiple stays your out-of-pocket expenses will be high. If you don’t pre-certify a hospital visit you will be fined $500. Most physicians will pre-certify visits however the patient is responsible to make sure the visit was certified except for emergency visits. You still have to notify Blue Cross after the emergency visit. You have various copayments that can add up as well, $50 for accidental injury physician services, $100 surgical care copays, and so on. The "Service Benefit Plan Summary" booklet outlines copays in section two. Review the 2007 Plan Brochure for complete details. All-in-all, if you and your family have major medial problems you may end up paying significant out-of-pocket expenses.

Looking back over the last 30 years my family had 3 hospital stays with maybe 4 emergency room visits. Historically this may be true but we are getting older and you never know what lies ahead. Overall, my wife and I are in good health with several medical conditions that require treatment. The risk is tolerable for us and I’ll start a personal medical fund depositing the $2608.44 premium savings for the next three years to cover out-of-pocket expenses. If you or a family member have a major medical issue diagnosed you are never more than 12 months away from an open season and can change back to an HMO or higher coverage plan if you foresee problems down the road.

Steve, a good friend and federal retiree, enrolled in Blue Cross Blue Shield Standard in the early 1990s. I asked him if his out-of-pocket expenses were ever excessive. He stated that he hasn’t had any unusual expenses other than normal copays since he first enrolled. He and his wife also turned 65 last year and since then Medicare has covered all Blue Cross & Blue Shield out-of-pocket expenses and copays except for prescriptions.

Finally we have comprehensive dental and vision care available. I decided on MetLife High Option Dental and Blue Vision. Both plans provide comprehensive coverage and are low cost. My monthly premium for MetLife Self +1 High Option is$51.87 per month and Blue Vision High Option Self costs $10.86 per month. My total monthly health insurance premium will decrease from $410.19 (what my HMO premiums would have been in 2007) to only $255.55 including Blue Cross Blue Shield Basic. A savings of $154.64 per month or $1855.68 per year. I’ll report back next fall on just how cost effective the year turned out to be taking in to consideration any out-of-pocket expenses that I incurred that would have been covered by my HMO. The previous articles on Open Season have more information and links that you can use to evaluate your options.

I signed up for my new FEHB elections online at http://opm.gov/retire/fehbhttp://opm.gov/retire/fehb. It only took about 7 minutes to complete the enrollment and receive a confirmation. You have to provide your CSA or FERS retirement Number and the last 4 digits of your Social Security number. Then select your new plan from a drop down menu for your state. After selecting the new plan, enrollment code 112 in my case, you are asked to confirm data for your dependents and I did find an error that I had to correct. The enrollment form states that you will receive your new cards 30 days from the date you initiate the change and we wanted new cards before January 1 so we can order prescriptions at reduced costs under our new plan. My wife’s prescriptions are considered non-formulary by our HMO and Blue Cross has the same drugs on their formulary list and they cost less.

Go to http://www.benefeds.com/ to sign up for the dental and eye care programs. If you don’t have access to a computer you can also register by phone by calling 1-877-888-3337 or TTY number 1-877-889-5680. It took me about 20 minutes to login and register for both programs. It takes a little longer to register for FEDVIP because the private vendors don’t have your personal information that OPM has for retirees. You have to confirm you status, add dependents, and select your plans. During registration you will be provided with a user ID and you select a password for future site access. The providers also send email confirmations if you signed up online. I received my email confirmations a few minutes after signing up.

OK, I’m done how about you? I received several questions about plan comparisons in other parts of the country. I only evaluated plans in my area and the national Fee For Service Blue Cross and Blue Shied programs. To fully understand the programs in your area you are going to have to read through the plan brochures to make comparisons. You can do some of this online at the web sites mentioned in this article.

I’m reviewing Tom Adams book "Savings Bond Advisor; How U.S. Savings Bonds Really Work With Investment, Tax, and Estate Strategies" next week on our book review page located at http://federaljobs.net/retire/reviews.htm. I thought I knew about everything I needed to know about savings bonds until I read this easy to read and highly informative guide. If you are like many feds you have accumulated a good number of bonds over the decades and this book pretty much tells you when to hold them and when to fold them with everything in between. Visit the review page next week for the complete review.

Tune in to the "For Your Benefit" weekly retirement planning radio talk show this Saturday from 10:00 to 11:00 a.m. EST. Visit http://federalnewsradio.com to tune them in live or to listen to the archived show after this date. The guests for the December 2^nd show are Judith Herron, Senior VP Marketing and Larry Stacy, Account Manager, Federal Programs CompBenefits, Dental Plan with hosts Bob Leins, CPA, and Tammy Flanagan, Senior Benefits Director NITP. Visit them each Saturday to get the answers you need to your federal retirement questions. Call 1-866-895-5086 to ask questions during the show or email your questions 24/7 to foryourbenefit@nitpinc.com.

Article Index

DISCLAIMER

Tell it Like it Is! Run...., Don’t Walk Towards Retirement

Retirement Can’t Get Much Better Than This!

Open Season Like None Other, COLAs & More Federal Employees Dental & Vision Insurance Program (FEDVIP)

More on Open Season & Retirement Take Home Pay Comparison

Open Season Selections / Online Sign Up & More

Tell it Like it Is!
Run...., Don’t Walk Towards Retirement

Open Season Like None Other, COLAs & More
Federal Employees Dental & Vision Insurance Program (FEDVIP)