The recently published 2026 Medicare Trustees Report projects that the standard Medicare Part B premium will increase next year. Deductibles and Part D costs are also expected to increase. Higher-income retirees may pay more due to the Income-Related Monthly Adjustment Amount (IRMAA) . Although official rates will not be announced until later this year, the projected costs are available, and some planning tips to prepare are provided. For federal retirees and employees approaching retirement, understanding these projections is important because Medicare premiums can significantly affect retirement income planning more…
Should Federal Retirees Keep FEHB, Add Medicare Part B, or Switch to Medicare Advantage?
Many federal retirees get caught in the complicated maze of figuring out whether to keep FEHB, add Medicare Part B, or switch to a Medicare Advantage plan. This video breaks down exactly how your expected healthcare usage should drive that decision. more…
When Is the Best Time for a FERS Retiree to Start Taking Social Security?
While there is no single best age for everyone, here are some guidelines to help you make the decision — including your need for income, whether you are trying to maximize lifetime or survivor benefits, and your health and life expectancy more…
Why a FERS Retirement Pension May Be Lower Than You Think
The basic annuity calculation is based on a small percentage of your high-3 average salary for each year you worked in federal service, and there may be reductions from healthcare premiums and taxes. Here’s what you should know… more…
Will Your Life Insurance Do What You Expect It To Do in Retirement
A lot of people have life insurance, but that doesn’t always mean they know what it’s meant to cover or whether it would actually do what they expect. For federal employees, those questions often start with the FEGLI and follow them into retirement. more…