5 year requirement


Q. My husband just retired under FERS. We are both federal employees. I am under FERS as well with a 31 years born 1964 plan to retire at age 56 like my spouse in 4 years and 11 months. I dropped my PPO insurance years ago when we married, and he covers me under his PPO Blue Cross Blue Shield. Before I retire, am I required to spend the last five years with my own health insurance?

A. No, you aren’t required to have your own enrollment for the 5 consecutive years before retirement. You only need to be covered by the program, which you are.


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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.

1 Comment

  1. Gerald Stephens on

    When you retire after five years with federal government do you still pay for insurance the same amount as when you are working for family coverage?

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