Q. I am a CSRS employee who will retire in January 2013. My husband is FERS and will continue to work for a few more years before retiring. My question is: Which would be more beneficial to us as a couple, my paying for health insurance (self and family) out of my retirement (I currently pay for it now) or for me to drop it and let him pick it up as an active civil service member? Will it matter down the line who carries the coverage?
A. Unless he is employed by the U.S. Postal Service, which pays more of its employees’ premiums, it won’t make any difference which one of you carries the coverage, either now or later.