Retirement health benefits


Q.  I am currently 54 years old under FERS and considering early retirement in the next 3 – 4 years.  I am also retired from the military and bought my service time.  I currently do not carry any Federal Health Care Benefit; I use my military benefit.  Once I retire from federal civilian service my retirement pay from the military will stop; does this have any effect on my military health benefits?

A. It’s my understanding that waiving your military retired pay will not affect any other military benefits to which you are entitled; however, to be sure, you’d need to check with your former branch of service.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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