FEHB coverage and survivor annuity


Q. I will be a FERS retiree with more than 30 years and my spouse will also be eligible for a deferred FERS retirement but will probably wait seven years until he’s 62. He left federal employment more than 10 years ago, and I have always carried him on my Federal Employees Health Benefits family plan. I understand he will be covered by my FEHB family plan after I retire as long as I’m living. If I don’t select a survivor annuity for him, will he be eligible to get his own FEHB plan if I die before him?

A. If you don’t elect a survivor annuity for him and you die before he is receiving his deferred annuity, his FEHB coverage would end.


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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