Q. I have prior CSRS service with a break in employment. I am now CSRS Offset. I did not get health insurance when I returned to service because I was covered by the Veterans Affairs Department. I picked it up during open season the following year. I can retire in two years at age 62. I will need one more year to have my five years to carry my health insurance into retirement for my disabled husband. The trouble is, I have terminal cancer. My life expectancy is two years. I hope to make it to retirement but worry beyond that. I have been told I can ask for a waiver from the Office of Personnel Management because I am terminal. Is this correct?
A. OPM may waive the eligibility requirement if it concludes that your failure to meet it was due to exceptional circumstances and that it would be against equity and good conscience not to allow you to be enrolled as an annuitant. To apply for a waiver, write to:
OPM, Retirement Benefits Branch
1900 E Street NW
Washington, DC 20415
Your request must include all health benefits enrollment forms or electronic enrollment verification, your service history, the exact date you plan to retire and any medical documentation you want OPM to consider.