FILE- In this June 15, 2018, file photo, twenty dollar bills are counted in North Andover, Mass. Default on your federal student loans and the government can take up to 15 percent of each paycheck to satisfy your debt. The Education Department can also withhold federal benefits like tax returns and Social Security payments. Garnishment is an effective tool to recoup unpaid loans, private collection agencies enlisted by the Education Department took in over $841.6 million  via wage garnishment in the 2018 fiscal year, but it inflicts serious financial strain on borrowers who are already struggling. (AP Photo/Elise Amendola, File)

Calculating your 2021 take-home pay requires some serious mental gymnastics

Federal health insurance premiums will see a moderate increase next year, but the president’s payroll tax deferral makes calculating next year’s paycheck…

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Got the Blue Cross blues?

Because various Blue Cross Blue Shield plans have been so good for so long, many feds in them haven’t bothered to shop around for maybe a better deal.

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Medical insurance application, silver pen and stethoscope. Legal law contract and health insurance concepts.

Ready to retire? Check back in 5 years

Each year hundreds, maybe thousands of feds learn the hard way about the five-year rule for keeping coverage under FEHBP in retirement.

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Tammy Flanagan: ‘Your plan might be changing’

Feds need to check their health benefits this open season, even if they don’t intend on changing plans; the plans themselves could be changing.

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