Tag: M. Dutton and Associates

The Real Math Behind Keeping FEGLI in Retirement When Premiums Begin Climbing Faster Than Expected

Key Takeaways
FEGLI premiums rise steeply in retirement, particularly after age 65, and can significantly impact your retirement budget if not planned for.Understanding your coverage choices, red…

Most Early Federal Retirements Sound Great on Paper—Until These Surprising Cost Penalties Start to Surface

Key Takeaways
Retiring early from federal service often brings reduced benefits, higher healthcare costs, and penalties that most employees don’t fully anticipate.Making the decision withou…

How FEHB Works Together With Medicare Without Leaving Gaps That Could Wreck Retirement Healthcare Plans

Key Takeaways
Pairing FEHB with Medicare in 2025 provides layered protection, helping you reduce gaps in coverage and unexpected costs…

Federal Workforce Headlines That Really Matter for Paychecks, Annuities, and Health Insurance Choices in Retirement

Key Takeaways
Paychecks, annuities, and health insurance decisions in retirement are tied closely to ongoing federal workforce policies. Ignoring headlines can lead to missed opportunities or unexpected expenses…

Still Under CSRS? Here’s Why That Matters More Than Ever in Today’s Retirement Landscape

Key Takeaways
If you’re still under the Civil Service Retirement System (CSRS), your retirement income…

Postal Retirees Are Facing Big Changes in 2025—Here’s What to Do Before Open Season Returns

Key Takeaways
The Postal Service Health Benefits (PSHB) Program fully replaced FEHB for USPS annuitants as …