Health insurance


Q. I had five years of federal service, bought back 10 military years, then quit federal employment at age 40. I’ll apply for a deferred pension at 62. Is there any chance of getting health care under the FEHB program then?

A. No, there isn’t. Deferred annuitants are never eligible to re-enroll in the FEHB program.


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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


  1. After 15 &1/2 years I retired at 61 from the 3rd Circuit Court for personal emergency matters… I will be 62 in early July … How much loss did I loose in benefits??

    • Because you are waiting to apply for your annuity until you reach age 62, that unreduced benefit will be based on your years and full months of service. There won’t be any age penalty – as there would have been – if you had applied before age 62.

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