Many federal retirees are surprised to learn that Medicare premiums are not the same for everyone. Once your income exceeds certain thresholds, Medicare imposes an additional surcharge known as the Income-Related Monthly Adjustment Amount (IRMAA). For higher-income retirees, these surcharges ... Read More

Turning 65 creates a Medicare decision for many Feds. Some retirees assume they should sign up for Part B as soon as Medicare becomes available. That may make sense for some households, but Federal Employees Health Benefits (FEHB) changes the ... Read More

Long-term care does not just mean a nursing home. It often starts with help at home, moves to assisted living, and in some cases, includes skilled nursing care. For many Feds, this becomes one of the largest unplanned expenses in ... Read More