Helping civil servants get their due
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Tammy Flanagan, 54

On a crusade since: 1983

Day job: Senior benefits director, National Institute of Transition Planning

Achievement: Aiding federal workers with retirement decisions

Why she's a hero: Flanagan's longtime job has been to educate U.S. government employees about their retirement benefits. But it has also been her calling.

Beyond the seminars, articles, and broadcasts central to her work, she rises early and stays up late to answer up to 1,000 e-mails a month, helping workers select pension options or ensure that they haven't been shortchanged on benefits.

"No one is explaining things. I make sure people know what they're entitled to," she says.

  @Money - Last updated November 12 2012 06:25 AM ET
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