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What the 2025 Federal Pay Raise Means for Your Pension and Retirement
If you're a federal employee, the 2025 federal pay raise may feel like a welcome boost to your paycheck, but it also carries long-term...
Dan De La Torre
11 minutes ago4 min read
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What Benefits Are Available to Federal Employee's Families?
Under federal regulations, specific family members are eligible for Federal Employees Health Benefits (FEHB) Program coverage. The...
Dan De La Torre
Mar 143 min read
26 views
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Tips for Making the Most out of Thrift Savings Plan (TSP) Benefits
The Thrift Savings Plan (TSP) is a powerful tool for federal employees and uniformed service members looking to build long-term financial...
Dan De La Torre
Feb 273 min read
36 views
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Understanding the Differences Between General Liability Insurance and Professional Liability Insurance
When it comes to liability insurance, it’s important to recognize the difference between coverage that protects businesses  and coverage...
Dan De La Torre
Feb 44 min read
29 views
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Retirement Planning Checklist
Getting ready for retirement might feel overwhelming, but we've simplified it into easy-to-follow steps. Save as much as you can into...
Dan De La Torre
Jan 153 min read
50 views
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How to Choose the Right Health Insurance Plan
Health insurance plays a crucial role in a family’s financial stability. Without it, a single accident could lead to financial disaster....
Dan De La Torre
Nov 15, 20244 min read
42 views
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The Optimal Retirement Date for Federal Employees Before 2030
Key Financial Factors to Consider when Federal Employees select the ideal retirement date. Retirement planning is a critical phase in a...
Dan De La Torre
Oct 4, 20245 min read
2,155 views
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Understanding Hospital Indemnity Insurance
Hospital stays affect not only your physical health but also your finances. The average cost for a three-day hospital stay is...
Dan De La Torre
Sep 5, 20242 min read
81 views
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Understanding the Key Differences Between Accident Insurance vs Accidental Death Insurance
In today's unpredictable world, it's crucial to protect our health and well-being with appropriate insurance coverage. When it comes to...
Dan De La Torre
Aug 7, 20245 min read
29 views
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7 Things You Should Know Before Purchasing Life Insurance
1. Assess Your Insurance Needs  Thoroughly evaluate your current and future insurance needs. An Insurance Agent can provide valuable...
Dan De La Torre
Jul 17, 20245 min read
120 views
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Insurance Glossary for Federal Employees
AÂ Accident Insurance: Type of insurance coverage that provides a cash benefit to individuals in an accident. Â Â Accidental Death...
Dan De La Torre
Jul 3, 20248 min read
35 views
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How Disability Insurance Works for Federal Employees
Federal employees have access to disability retirement benefits through the Federal Employees Retirement System (FERS), but this coverage...
Dan De La Torre
Jun 12, 20243 min read
1,816 views
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Is Pet Insurance Worth It?
In a world where our furry companions are more than just pets – they're family – the question of pet insurance's worthiness becomes...
Dan De La Torre
May 29, 20244 min read
132 views
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Understanding the Differences Between Long-Term Disability and Long-Term Care Insurance
Many people often mix up Long-Term Disability Insurance (LTD) and Long-Term Care Insurance (LTC), possibly because they're both activated...
Dan De La Torre
May 15, 20244 min read
60 views
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Federal Liability Insurance: A Vital Protection for Federal Employees
Federal Liability Insurance  is a crucial safeguard for those serving in federal positions. Navigating the professional landscape as a...
Dan De La Torre
Apr 23, 20242 min read
147 views
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How Does Supplemental Disability Insurance Work?
Before discussing Supplemental Disability Insurance, I think it is best to first define in general terms what supplemental insurance is....
Dan De La Torre
Apr 10, 20246 min read
203 views
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Life Insurance as an Investment: What You Need to Know
Life insurance is commonly perceived as a means to secure the financial future of you and your family. However, it's also a versatile...
Dan De La Torre
Mar 27, 20246 min read
81 views
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Understanding the Differences Between Short-Term and Long-Term Disability Insurance
In today's uncertain world, safeguarding our health and well-being through insurance coverage is essential. Focusing on safeguarding our...
Dan De La Torre
Mar 13, 20245 min read
62 views
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Accident Insurance vs Health Insurance: Understanding the Key Differences and Value
In today's uncertain world, safeguarding our health and well-being through insurance coverage is paramount. When it comes to protecting...
Dan De La Torre
Jul 19, 20233 min read
121 views
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Is Disability Income Insurance Right for You?
People ordinarily buy property and casualty insurance to protect their possessions (houses, cars, and furniture) and life insurance to...
Dan De La Torre
May 10, 20234 min read
105 views
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