Selecting insurance at retirement


Q. I am a FERS retiree who postponed the receipt of my annuity. I want to start my annuity at age 62. With my current job, I have health benefits that I would like to continue until age 65. Must I elect for health insurance when I start the annuity, or can I pick up health insurance at age 65, at which time I would choose health insurance for both my husband and myself.

A. If you want to reactivate your Federal Employees Health Benefits enrollment, you’ll have to do that when your annuity begins.


About Author

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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