Q. I am 55 years old with 35 years of civil service under CSRS retirement. Do I need to take survivors benefits to be able to have health benefits for my husband and myself?
A. If you didn’t elect a survivor benefit for your husband but were enrolled in either the Self and Family or Self Plus One option when you retire, he could continue to be covered by your FEHB plan while you are alive. However, if you died, he could only continue that coverage if he was either a current or retired federal employee. If he wasn’t, he would lose that coverage.