When there’s an age gap between spouses, retirement planning often gets more complex. Different timelines can lead to gaps in health insurance, uneven income years, and tax issues that catch many couples off guard. Lifestyle mismatches, such as one spouse ... Read More

Since January 1,2025 and concluding March 31, 2025, the Center for Medicare and Medicaid Services (CMS) has been conducting the annual General Enrollment Period (GEP). During the GEP, individuals aged 65 and older can enroll in Medicare Part A (Hospital ... Read More

Dan and Katelyn explore the possibilities and key considerations for federal employees interested in working remotely from overseas. They cover benefits, healthcare, and taxes. Additionally, they discuss the common pitfall of contributing your full TSP limit too early in the ... Read More

Join Ed and Dan as they discuss OPM’s push for FEHB health plans to adopt Medicare Part D for federal retirees. They cover key changes from the Inflation Reduction Act, auto-enrollment, and what retirees should consider when choosing between FEHB ... Read More

Ed and Dan cover important retirement deadlines for 2024, including RMDs for TSP and IRA owners, and the benefits of Qualified Charitable Distributions (QCDs). They also discuss Roth IRA conversions before tax cuts expire in 2025 and rules for IRA ... Read More

Ed and Dan take a comprehensive deep dive into the complexities of Medicare, breaking down its four key components: Part A, Part B, Part C, and Part D. They also explore the nuances of the Federal Employees Health Benefits (FEHB) ... Read More

Several previous FEDZONE columns have discussed Medicare enrollment options for federal retirees once they become eligible to enroll in Medicare at age 65. The two options for  Medicare enrollment are: (1) Original Medicare and (2) Medicare Advantage (also known as ... Read More

Ed and Dan explore essential Original Medicare topics, including the Hospital Insurance Tax, how income impacts Part B premiums, and the benefits of enrolling in Original Medicare. They cover important details like coverage, the “assignment” concept, and whether federal retirees ... Read More

A Health Savings Account (HSA) allows federal employees and retirees to contribute and to pay out-of-pocket medical and dental expenses in a tax-advantaged way. In order to contribute to an HSA, a federal employee/retiree must be enrolled in a high ... Read More

Medicare Part D (Prescription Drug Program) has been available to Medicare beneficiaries since 2006. Part D has benefited millions of Americans who have excessive prescription drug expenses. Federal retirees have good prescription drug coverage through the Federal employees Health Benefits ... Read More