Insurance coverage for spouse

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Q: I will retire soon and will choose a lifetime annuity, not to include my husband, with survivor benefits. Can I still carry him on my FEHB coverage?

A: You can continue to include him under the self and family option of your FEHB plan. However, if you were to change to self-only or die, he would lose that coverage unless he is a federal employee or retiree who would be eligible to continue that coverage on his own.

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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 fedexperts@federaltimes.com.

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