Q. Can you please tell me what reduction in my FERS annuity will be required so I can stay on my wife’s FEHB enrollment after she retires?

A. There won’t be any reduction in your annuity. You’ll continue to be covered by your wife’s FEHB enrollment, and the premiums for that coverage will be deducted from her annuity.


About Author

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. I believe the answer is only partially correct. Please correct me if I am wrong, The full answer should reflect that in order to have and spousal fehb, a survivor annuity must be elected at time of retirement by employee.

    • There is no requirement that a spousal annuity be elected for a spouse to continue to be covered by an employee’s Self Plus One or Self and Family enrollment when he or she retires. And if the enrollee dies, the survivor – who is either a federal employee or annuitant – could continue that coverage.

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