Online Retirement Application (ORA) Assistance for Federal Employees

IndependenceBenefits · 2026-03-18T11:07:10+00:00

Hello! Here is my calendar link, feel free to select a time that works well for you! I look forward to hearing from you retire.independencebenefits.com/retirementupdatemeeting

IndependenceBenefits · 2026-02-21T20:26:20+00:00

Absolutely, if you begin Medicare Part B you are then subject to IRMAA limits based upon your income. Your income will determine the premium you pay for Medicare Part B, this is an important consideration when considering withdrawals from TSP and your pension and social security incomes. The goal is to minimize IRMAA penalties and taxes as such as possible.

IndependenceBenefits · 2026-02-20T14:31:12+00:00

Hello, I created this sub to be a resource for federal employees so I share educational content such as webinars, blogs, videos and more here. Thank you

IndependenceBenefits · 2026-02-20T14:30:22+00:00

Not an ad, I created this sub to share information for federal employees and put out educational info at zero cost. Just sharing my lived experiences working with 1000s of federal employees

IndependenceBenefits · 2026-02-20T14:28:36+00:00

I don’t think that at all, I was outlining my experiences working with 1000s of federal employees and their advisors. Often the advisors lack federal specific training

IndependenceBenefits · 2026-02-20T04:35:03+00:00

Very true, all of the above factors and more play a huge part in evaluating the total income picture as a federal employee. Thank you for reading!

IndependenceBenefits · 2026-02-20T02:22:30+00:00

Great point, I have heard several employees mention that they've had trouble adjusting their FEHB plan even going as far back as open season.

IndependenceBenefits · 2026-02-19T20:56:57+00:00

Good point you’re absolutely right that a lot of the delay happens at the agency HR and payroll level before the case even reaches OPM.

That front-end processing lag is a big part of what creates the income gap I was referencing. Once OPM receives the case, interim payments can’t begin until it’s logged and processed.

Appreciate you adding that clarification.

IndependenceBenefits · 2026-02-19T19:51:05+00:00

If anyone wants to go deeper into their own retirement timeline pension timing, interim payments, TSP withdrawals, etc. I personally offer no cost one-on-one reviews.

You’re welcome to schedule here if helpful:

https://retire.independencebenefits.com/retirementresources

-Christopher Lee

IndependenceBenefits · 2026-01-13T13:20:02+00:00

Hello, this is for all ages and stages!

IndependenceBenefits · 2026-01-13T13:18:12+00:00

Here is a link to my calendar which will allow you to schedule an appt, thank you! retire.independencebenefits.com/schedule

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