Get Out of Debt Faster: Pay No Interest For Up to 21 Months
Ed Zurndorfer outlines the new Postal Service Health Benefits program that starts Jan. 1, 2025 — including how it compares to FEHB, enrollment and open season, cost savings for Medicare Part B/Advantage, and pharmacy benefits for those eligible more…
Recent Articles
Last Paycheck vs. First Retirement Check
Chris Kowalik gives a detailed explanation of how you can expect your pay to change once you retire from federal service (“employed vs. retired”) more…
Federal Employee Eligibility for FEHB After Retirement
Ed Zurndorfer outlines the important requirements for an employee to continue Federal Employee Health Benefits (FEHB) health insurance benefits during retirement. Practical examples are included more…
2023 Federal Income Tax Filing Deadline Approaching
The IRS has reminded individuals about the upcoming tax filing extension deadline. To avoid a late filing penalty, those individuals who requested an extension to file their 2023 tax return should file their Form 1040 on or before October 15, 2024. more…
10 Most Common Mistakes to Avoid When Purchasing Life Insurance
Ed Zurndorfer outlines errors individuals often make — and how to correct them — when purchasing and owning a life insurance policy more…
What If You Die While Employed?
Chris Kowalik walks you through what happens when the unexpected happens, including who can be protected to receive your pension, which benefits are paid out lump-sum, and what to do now to prepare your family
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Important Tax Issues for Life Insurance
Ed Zurndorfer discusses the various tax issues associated with life insurance ownership, including deductibility of premiums, and taxation of employee-sponsored policies, beneficiary proceeds and dividends more…
The High-3 Average Salary
Chris Kowalik provides a step-by-step guide to the real way your high-3 is calculated for federal retirement
Important Extra Benefits with Some Life Insurance Policies
Life insurance riders allow an applicant to customize the policy. Some riders increase the premiums, others are added at no charge. Ed Zurndorfer provides a guide to these benefits and costs more…
Important Choices and Considerations for Purchasing an Individual Life Insurance Policy
Ed Zurndorfer examines some of the federal employee choices and considerations for purchasing an individual life insurance, including term vs. permanent (cash value) policies, and factors that affect the cost of premiums more…