Ed Zurndorfer outlines some actions that federal employees and retirees should consider performing during this last week of 2022 more…
2023 Thrift Savings Plan Strategies Federal Employees Should Consider
Ed Zurndorfer highlights important considerations for Thrift Savings Plan participants including contributions in both 2022 and 2023, Traditional vs. Roth TSP decisions, and required minimum distributions (RMDs). Several examples are provided. more…
Spousal Survivor Annuitants Also Need to Make Decisions During Federal Benefits Open Season
Ed Zurndorfer outlines the decisions that spousal survivor annuitants can make with respect to their health, dental and vision insurance and flexible spending accounts during the current open season. more…
What Is a Health Reimbursement Account and Who Can Own One?
Some federal employees do not fulfill the requirements to contribute to an Health Savings Account (HSA). Ed Zurndorfer discusses how an alternative (the Health Reimbursement Account or HRA) works, the differences between an HRA and an HSA, and how those who have access to an HRA can utilize its tax-free withdrawals to pay qualified medical expenses more…
How Federal Employees Can Benefit from the Dependent Care Flexible Spending Account or Dependent Care Tax Credit
Ed Zurndorfer discusses the DCFSA and how federal employees can benefit by utilizing it when they have to pay for daycare expenses for qualifying relatives more…
Health Care Flexible Spending Accounts Can Help Ease the Sting of Increasing Out-of-Pocket Medical Expenses
Ed Zurndorfer discusses why federal employees who have never enrolled in an FSA should consider it for 2023 (and why those currently enrolled should reenroll) more…
Questions to Ask When Choosing an FEHB Health Plan for 2023
There is more than just premium cost when choosing a health insurance plan. Ed Zurndorfer presents questions federal employees and retirees should be asking during the upcoming open season — including those planning to retire in the next 5-10 years more…
Federal Employee Health Benefits (FEHB) Program Health Plan Choices
To help federal employees and retirees make the right choice that best meets the medical needs at the least possible cost, Ed Zurndorfer outlines the different types of health insurance plans offered through the FEHB program more…
How to Reduce Medicare IRMAA and Medicare Supplemental Insurance Premiums
Ed Zurndorfer presents strategies to help a Medicare Part B beneficiary avoid or minimize the Income Related Monthly Adjustment Amount (IRMAA), and provides suggestions on how to minimize the cost of Medicare supplemental health insurance plan premiums more…
Medicare Part B and Appealing High Premiums
Ed Zurndorfer discusses how much Medicare Part B beneficiaries pay each year in monthly premiums and appealing higher premiums that are the result of Income Related Monthly Adjustment Amounts (IRMAA) more…