Have your career plans changed some, a lot or completely since the COVID pandemic? Has the retirement tsunami, first predicted in the 1990s, actually started? What if another recession is just around the corner? Lots of work-related questions for lots of people.

If ordered to return to the office full or even part time, will you do it or retire? Many surveys show that up to 40% of people who have been working from home don’t want to come back to the office. Ever! The same studies show many people can’t wait to get back to the office, to interact with coworkers and work with the discipline of the office.

Lots of questions — and we may have some or all of the answers. That’s because my guest today on Your Turn is benefits expert Tammy Flanagan. She is going to talk about the impact of a big COLA in 2022, the likely federal pay raise and what retirees who are 65-plus should be doing to prep for the federal health insurance open season. It begins Nov. 8 and will run through Dec. 13. The good news is that all of the plans are good-to-excellent. And people can change every year regardless of health, preexisting conditions, age, etc.