Insurance coverage for husband not included as survivor


Q. I will retire soon and will chose 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

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