ForYourBenefit Radio Program


Listen live to ForYourBenefit each Monday morning at 10:05 EST on 1500 AM in the Washington DC metro area or online at www.federalnewsradio.com. Or, if you prefer, listen on your own schedule -- all shows are archived and available 24/7.

ForYourBenefit is NITP’s weekly radio show which features information and discussion on topics of interest to the Federal employee, including Federal Benefits, financial and retirement planning, and other issues.

Guests and topics change weekly –In 2015, our guests will help you plan and navigate through retirement issues and concerns.


July 27, 2015
Considering Long Term Care as part of your Retirement Planning

This week on For Your Benefit, our hosts Bob Leins and Tammy Flanagan will have a dialogue with Joan Melanson, Director of Program Promotion of LTC Partners, about the important role long term care has on retirement planning and should be addressed well in advance of retiring.  Federal employees spend a great deal of time and energy planning for the exciting retirement phase of their life when they finally get to retire and enjoy the fruits of their labors, after working many years.  However, a topic that is often overlooked for consideration is long term care.

Talking Points to include:

  • What exactly is long term care and why it such an important consideration in financial planning?
  • Factors to determine the advisability of long term care insurance and just as important when should a LTC policy begin?
  • What factors should be considered in coverage and how these factors impact premiums?
  • What are the risk factors of having vs not having LTS?
  • How does the Federal Long Term Care Insurance Program address you needs?
  • What is the cost and why should I purchase LTC insurance?
  • Are there any alternatives to LTC insurance? 
  • How do I become more educated about the topic of long term care after this radio program?                 
                 
    For questions or comments, email us in advance at ForYourBenefit@nitpinc.com or call in, once the phone lines are open, to 202-465-3080.


July 20, 2015
Special Provisions Retirees and the Defending Public Safety Employees’ Retirement Act (The Act)

This week on For Your Benefit, our hosts Bob Leins and Tammy Flanagan will discuss the new law that passed allowing Law Enforcement Officers, Air Traffic Controllers, Fire Fighters and other special retirement groups to access their TSP contributions without penalty as early as age 50 without incurring a 10% early withdrawal penalty.  They will also discuss other issues related to these special retirement groups that are subject to mandatory retirement and more liberal eligibility rules.

Talking Points to include:

  • Explanation of the recent tax law change benefitting the law Enforcement community mentioned above.
  • Exactly who will benefit from “the Act”?
  • Who will not benefit from “The Act”?
  • Special retirement benefits
  • Social Security retirement benefits
  • Tax breaks for premiums paid for Federal employees’ health insurance and long-term care insurance
  • Enhanced computation when computing disability and survivor’s annuity benefits

    For questions or comments, email us in advance at ForYourBenefit@nitpinc.com or call in, once the phone lines are open, to 202-465-3080.


July 13, 2015
Tips for Maximizing Your Social Security Benefit

This week on For Your Benefit, our host Bob Leins welcomes Bob Braunstein, NITP Seminar Presenter and Federal Benefits Specialist into the studio to chat about maximizing your Social Security benefit.

Discussion Points include:

  • Overview of Social Security
  • Calculation of Benefits
  • Impact of “Earned Income” as it relates to age and reduction of Social Security Benefits
  • Benefit vs drawback of electing benefits at the earliest age and beyond
  • 5 Tips to consider

    For questions or comments, email us in advance at ForYourBenefit@nitpinc.com or call in, once the phone lines are open, to 202-465-3080.


July 6, 2015
FEHB and Medicare… One Size Does Not Fit All!

This week on For Your Benefit, our host Bob Leins welcomes Bob Braunstein, NITP Seminar Presenter and Federal Benefits Specialist into the studio to chat about the Federal Employees Health Benefits Program (FEHB) and Medicare. 

Discussion points will include:

  • Explanation of the requirement to have 5 years of coverage in order to take coverage into requirement.  Spousal requirement?
  • Will the cost of my coverage change in retirement?
  • What about Open Seasons?  Can I still change plans every year?
  • Is the new “Self Plus One” coverage being offered in 2016 different from family coverage?
  • When I turn 65, does FEHB make me enroll in Medicare?  Will I be penalized for late enrollment in Medicare B?  Should I enroll in Medicare B?

    For questions or comments, email us in advance at ForYourBenefit@nitpinc.com or call in, once the phone lines are open, to 202-465-3080.

 

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