Spouse's coverage after retirement


Q. I will be retiring soon under FERS with more than 20 years of service. Would my husband be covered under my health insurance should I die? He has been on my policy for more than five years. Would I have to take the spouse annuity to keep him on my insurance policy should this occur?

A. Unless your husband was either a federal employee or retiree or was receiving a survivor annuity based on your federal employment, he wouldn’t be eligible to continue coverage under the Federal Employees Health Benefits program.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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