Browsing: self and family

Q. I retired from the Postal Service in October 2008. My wife is now getting Medicare. Can I remove her from my insurance and only claim myself as a single? I also would like to know what I’m paying for my family coverage now and what I would pay if I claim as a single. Can you advise me on how to go about or whom to contact?

Q. My wife wants to retire from the Postal Service, under FERS, with 30 years service but she’ll only be 50. Am I correct in understanding that she will be eligible for a deferred retirement at her minimum retirement age of 56 without any reduction to her annuity? What about the special retirement supplement? I’m assuming she won’t be eligible for that. She’s been on my Federal Employees Health Benefits plan for the past 25 years. I’m also a postal worker. So can she get her own individual plan, or must she stay on my family plan? I was told…

Q. I am a FERS employee with 14 years at Department of Agriculture, and will turn 60 this month. I plan to retire in January under MRA+10 but want to postpone receiving my annuity until I reach age 62 to minimize the 5 percent-per-year reduction. My wife (nonfederal) and I have been enrolled in Federal Employees Health Benefits family coverage for the past 14 years. Can I continue my existing FEHB family coverage during a postponed annuity (at my own expense, plus 2 percent, for 18 months from my retirement date) at the conclusion of which I’d begin my annuity,…

Q. If I’m under my wife’s health plan (she is also a federal employee), and she retires and keeps the same plan, once our dependent is no longer in the plan, we are thinking of changing to self-only. We will both be retired by then. Can I then enroll in self, although at retirement I was under her? Or do I need to be in my wife’s health plan forever since at retirement I was under her?

Q. As a federal worker, I am carrying a family plan for health insurance. My child ages out this year. I am eligible to retire next year. My spouse is eligible for his own plan at a private company, but it will not follow him into retirement. We would save money carrying two self-only plans. If I switch to a self-only plan and then retire, will I be able to switch back to a family plan when spouse retires in seven years?

Q. Can I retire without health insurance and pick it up after retirement? My husband works for the government also, and I will be retiring soon. Would it be better for me to pick up family insurance before I retire so I don’t lose any benefits? Is there any difference on the health insurance cost/benefits of my spouse and mine after we both retire?

Q. I carry a family plan in my name. My spouse also works for the federal government but has no health insurance since she is under my plan. We still have two adult children on my plan; one is 21, the other is 25. When my spouse and I retire, we would like to both carry our own individual health plans as that would seem less expensive, and my two children will be 26 or older. So, must my wife get her own plan this upcoming open season, even though she is covered under my plan to do this in…

Q. I am a retired federal worker and have been on Medicare for two years. My wife is turning 65 this month. Until now, we have kept our health insurance with Blue Cross/Blue Shield since my wife did not qualify for Medicare. During the last two years, we have continued to pay the full price for family coverage since my wife needed health insurance. 1. Can we continue to keep the family coverage, group plan (as we have for almost 40 years), or are we forced to look for a supplemental plan? 2. Will my wife continue to be covered…

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