FEHB family coverage during postponed annuity


Q. I am a FERS employee with 14 years at Department of Agriculture, and will turn 60 this month. I plan to retire in January under MRA+10 but want to postpone receiving my annuity until I reach age 62 to minimize the 5 percent-per-year reduction.

My wife (nonfederal) and I have been enrolled in Federal Employees Health Benefits family coverage for the past 14 years. Can I continue my existing FEHB family coverage during a postponed annuity (at my own expense, plus 2 percent, for 18 months from my retirement date) at the conclusion of which I’d begin my annuity, and be eligible to receive full government contribution toward family FEHB coverage?

A. Yes.


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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