Q. If my wife retires at 62½, and I am a private sector retiree, how much will her FERS annuity be reduced in order for me to continue being covered by her FEHB enrollment?
A. As long as your wife is receiving an annuity and has elected Self Plus One or Self and Family FEHB coverage, she wouldn’t have to elect a survivor annuity for you to continue being covered by her plan. However, if she were to die, your coverage would end. To avoid this possibility, she would have to elect a survivor annuity for you.