Spousal health coverage after retirement


Q. My husband is a Postal Service employee who will be eligible for retirement shortly. We have been married for 3½ years. I have been covered under his health insurance plan (GHI) since we were married. If my husband retires before our five-year anniversary, am I still eligible for continued coverage under his plan (even though I will not have been covered under his plan for the full five years)?

A. Yes, you will be eligible to continue that coverage if he has elected a survivor annuity for you, as required by law. The premiums for your coverage would come out of that annuity payment.


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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 fedexperts@federaltimes.com.

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