Deferred annuity and FEHB eligibility

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Q. I will have 10 years of federal service as of Jan. 27, 2013. I am 59 years old. I may have a job opportunity to return to a private-sector job. If I changed jobs and deferred my annuity until age 62, would I still qualify for government insurance?

A. Since you would be retiring under MRA+10, you’d be able to re-enroll in the Federal Employees Health Benefits and Federal Employees’ Group Life Insurance programs but only if you were enrolled in them for the five consecutive years before you retired.

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