Health coverage for spouse after retiree dies


Q. I am a retired foreign service officer and elected to keep my health insurance (Blue Cross/Blue Shield), for which I pay about $430 monthly. When I die, will my wife be able to continue with this coverage? At the same cost? Or less, as she’ll be the only one covered, as our kids are grown.

A. Assuming she was covered under the self and family option of your plan, she could continue that coverage. However, if there were no other eligible dependents, she could switch to the self-only option, which would cost her less.


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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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