Q. My husband has been a federal worker for 20+ years and is 56 years old. Because my health insurance is cheaper at my nonfederal job, we have been on my work health plan. We both want to be on the federal health plan when he retires. How long does my husband have to be on the federal health plan before retirement so he is covered after retirement? When do I have to join the federal health plan so I am covered after retirement?
Browsing: Coverage after retirement
Q. Do I lose my Federal Employees Health Benefits coverage if I am retired and I turn 65?
Q. I am 49 and was wondering if I can retire at 52 with 20 years of Postal Service time even though my minimum retirement age is 56. If so, could I defer my pension until 60 and collect it then with a 5 percent penalty for each year before 62? Would I be eligible to continue my health benefits and collect the special retirement supplement until age 62 if I were to do that? Or would I have to use my MRA+10 computation to retire? If that is the case, would I then be able to continue my health…
Q. My husband is 65 and planning to retire from the federal government the first of the year. He just signed up for Medicare A. We were planning to keep the Federal Employees Health Benefits Blue Cross coverage at $300 per month for both of us. We would rather not pick up Part B because of the cost. We have been advised by several agents not to pick up Part B. We were told we would “lose our open enrollment” status if we picked up Part B now. What does that mean? If down the line in a couple of…
Q. I was employed by the federal government between 1978 and 1985. Both my first wife (as my dependent) and I were insured by the government plan. I worked in private business from 1986 to 2007, divorcing in 1997. I remarried in 2001. My second wife’s benefit plan was more extensive, and her plan covered me as a dependent for the past 12 years. I am still covered by her plan as a secondary. In 2007, I returned to the federal government, but did not take the Federal Employees Health Benefit plan, as I was still covered by my wife’s…
Q. As a government civilian, you have the benefit to carry your Federal Employees Health Benefits into retirement provided you: 1. Are eligible to receive an immediate annuity. 2. Are insured on the date of retirement (or covered as a family member under the FEHB program), and 3. Have been covered for the five years of service immediately preceding retirement or since your first opportunity to enroll. The decision to accept a reduction in force and move to unemployment is one option, but would you lose the right to carry FEHB into retirement because your were separated by the RIF.…
Q. I’m retired under FERS and my husband is still working for the federal government (also FERS). He has covered his son and me with Blue Cross/Blue Shield under the family plan. His son turned 27 years old this year, and we’re trying to decide whether to drop the family plan and seek insurance as self only. The savings per month is about $60, but I think we’ll end up paying more for taxes. Is there a way to calculate this? Do you have any suggestions?
Q. I am a federal employee with 32 years of service and covered by CSRS. I plan to carry Federal Employees Health Benefits coverage for myself into retirement. My spouse works (nonfederal) and receives health insurance coverage from her employer. 1. What is the minimum survivor annuity I am required to provide for my spouse to ensure she can continue coverage under FEHB in the event of my death? 2. Is my spouse required to be enrolled in the FEHB program at the time of my death to be eligible for coverage, or can she enroll in the program after…
Q. When I retire at age 58, I will have 30 years under FERS. I intend to keep my Blue Cross/Blue Shield FEP coverage in retirement. I intend to reside permanently outside the U.S. Am I correct that Medicare Part A and Part B do not provide coverage outside of the U.S.? If that is correct, am I able to retain my FEP Blue Cross/Blue Shield past age 65 and not enroll in Medicare Part B? Is it correct that I will be automatically enrolled in Part A, as I’ve already paid into it?
Q. I am 39 and on disability retirement from the Postal Service. I initially turned down continuing my Federal Employees Health Benefits insurance. Is it possible to enroll now, seven years later?