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Ed Zurndorfer outlines what federal employees need to consider in December regarding their Thrift Savings Plan options for both 2023 and 2024 more…
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FEHB Program Cost Saving Suggestions For Federal Retirees and Annuitants
Ed Zurndorfer discusses four different suggestions on how federal retirees and annuitants can reduce their Federal Employees Health Benefits insurance plan out-of-pocket expenses — including those enrolled in Medicare more…
FEHB Premium Savings Suggestions (and Individuals Who Must Pay Full FEHB Premiums)
Ed Zurndorfer provides suggestions on how some federal employees can save on Federal Employees Health Benefits program premiums, and who must pay 100% of the FEHB premiums without any federal government contribution more…
Proposed Legislation Would Reduce Pay Disparities for Some Federal Employees
If passed, the Locality Pay Equity Act would reduce locality pay disparities for some federal employees more…
Medical Expenses Payable or Reimbursable from an HSA, FSA or HRA
The IRS has provided new guidance on specific categories of medical expenses that can be paid or reimbursed through a Health Savings Account, Health Reimbursement Account, or Health Care Flexible Spending Account more…
New 2024 Locality Pay Areas Finalized Affecting 33,000 Federal Employees
The Office of Personnel Management has finalized four new locality pay areas for 2024 adding approximately 33,000 federal employees to the locality pay system more…
Medicare Part B Enrollees Can Appeal IRMAA Premium Notices
Some federal retirees are subject to Medicare Part B premium surcharges. Ed Zurndorfer explains what federal employees and retirees can do to request a reconsideration of their Medicare Part B premiums. Examples are included. more…
Federal Employees and Retirees Should Review Dental Insurance Choices Annually
Ed Zurndorfer discusses the importance of evaluating dental insurance during the annual federal benefits open season with recommendations more…
What Is a Health Reimbursement Account and How Does It Work?
Ed Zurndorfer explains the advantages and disadvantages of an HRA under the Federal Employees Health Benefits program — and how it differs from a Health Savings Account (HSA) more…
Understanding the Pitfalls of HSAs and Medicare
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…