Ed Zurndorfer highlights the important rules that an health savings account owner in their 60’s needs to heed in order to avoid being subject to an IRS penalty when they enroll in Medicare. Practical examples are included more…
Rules for Keeping FEHB Health Benefits in Retirement
Ed Zurndorfer outlines the requirements needed to be met for federal employees to keep their Federal Employee Health Benefits into retirement more…
What to Expect for the 2023 Federal Benefits Open Season
Ed Zurndorfer discusses important details for the Federal Benefits Health Benefits (FEHB) program federal employees and retirees should be aware of in 2024 more…
FEHB Offers Enhanced Medicare Advantage and Medicare Part D Plans for Federal Retirees — Part 2
Ed Zurndorfer outlines important considerations for the separate supplement Medicare Part D prescription drug plans now offered by several insurance carriers in the Federal Employee Health Benefits program more…
FEHB Offers Enhanced Medicare Advantage and Medicare Part D Plans for Federal Retirees — Part I
Ed Zurndorfer addresses questions that federal retirees need to ask before they enroll in an FEHB program-sponsored Medicare Advantage and/or Medicare Part D plans more…
10 Common Medicare Mistakes Federal Retirees Should Avoid
Ed Zurndorfer outlines the most common mistakes federal retirees can make with respect to Medicare — and how they can avoid them
Guide to Federal Retiree COLAs: What Are They and How Are They Calculated?
Ed Zurndorfer gives an overview of an often confusing topic: Understanding what the cost-of-living adjustment (COLA) is, how it is computed, and how it affects CSRS and FERS annuities, survivor annuities, and other federal employee death benefits. Several practical examples are included more…
Roth IRAs and Potential Estate Tax Savings
Ed Zurndorfer discusses how converting traditional IRAs, and/or rollovers of traditional TSP to traditional IRAs (which are then converted to Roth IRAs) can result in estate tax savings for federal retirees more…
IRS Postpones Mandatory Roth Catch-Up Retirement Contributions Until 2026
Eligible federal employees aged 50 and older can continue making catch-up contributions to the traditional Thrift Savings Plan rather than being required to have their catch-up contributions go the Roth TSP more…
With Average 86% Increase in FLTCIP Premiums, Self-Insuring Long Term Care Becomes a Consideration
Ed Zurndorfer explains why an increasing number of federal employees and retirees may want to consider self-insuring as a means of supplementing their FLTCIP LTC coverage rather than pay additional premiums in order to keep their FLTCIP benefits more…