FEHB coverage and survivor annuity

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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.

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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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