Survivor annuity vs. FEHB


Q. I am a federal employee and have had Federal Employees Health Benefits for myself and my husband for 20+ years. My husband is retired military with Tricare for Life. I plan to retire on FERS and keep our FEHB for myself and my husband. If I choose to not have survivor benefits and I die before my husband, will he be allowed to keep the FEHB coverage since he receives a military retirement pension and has always had Tricare for Life through the military? In other words, can he keep FEHB and have the premiums taken out of his military retirement pension since he will not be receiving a survivor annuity?

A. No, he can’t.


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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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