Browsing: spouse benefits

Q. I’m CSRS and will retire with 35 years of service. My spouse is CSRS Offset and will retire with 33 years of service. I have been told I would receive a full survivor annuity. Will it come from the Office of Personnel Management because I thought I would fall under the government pension offset with the Social Security part. My spouse should have no problem with receiving a survivor annuity from me, right?

Q. I am a CSRS employee who will retire at age 65 with 42 years of federal government service. Upon reaching age 65 when I retire, I will be eligible for Medicare.  My wife will turn 65 about six weeks after I turn 65. She does not have any health care insurance other than my Federal Employees Health Benefits plan. When I retire, I will have been enrolled in an FEHB plan for 42 years. There seem to be a lot of supplemental plans through AARP and other providers that are less expensive. Why should I keep my FEHB plan?

Q. I am a 64-year-old retired CSRS annuitant. I am not eligible for Social Security. My husband is on my Federal Employees Health Benefits coverage with Kaiser Permanente (HMO standard option). He works for the Postal Service but is under my medical insurance. He will turn 65 in November but will continue working until 66, when he is eligible for Social Security benefits. I understand that he must sign up for Medicare Part A soon. If he elects not to sign up for Part B, will he be able to sign up for it without penalty when I apply for…

Q. My husband retired from the federal government 10 years ago. He has had health insurance through my company for the past 23 years. I have lost my job through a reduction in force and now need to explore options for health care. Do we have any options through his retirement benefits? He is 64, I am 55 and we have two children living at home, 24 and 21.

Q. My wife, who is younger than me, is a retired federal employee with health insurance (FEHB: Blue Cross) that covers both of us. I will turn 65 this year. If I fail to take Medicare Part B within three months of turning 65, then I will have to: 1. Wait for open enrollment for Medicare and then six months; and 2. Pay a penalty for each year. When I called Blue Cross, they indicated that if my wife continues with her plan, there is no reason to take Part B. Social Security warns me about the 10 percent-per-year cost…

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