I will be taking a break until Dec. 26. I won’t be answering any questions until I return. Please hold your questions until I am back. Thank you.
Q. I am a fed with a non-fed spouse. We both currently carry health insurance on ourselves with the exception she has me on her vision and dental. We both can retire this coming year. She cannot carry insurance into retirement. Should I put her on mine now or can I when she retires as a life-changing event? Hers is better than mine currently and I want to keep her on it as long as possible. Should I add vision and dental now or can I do that when I add her?
Q. I am a CSRS annuitant who retired with a Federal Employee Health Benefits family plan in 2010. In 2016, my spouse, who is a federal employee, enrolled in the FEHB Program and I suspended my FEHB enrollment because she picked up our family plan that included myself. My spouse is going to retire in April 2018, and from what I have read she won’t meet the five-year criteria prior to retiring to keep FEHB. What is the procedure to re-enroll as an annuitant in the FEHBP so my spouse and family does not lose coverage? Does her ineligibility, by…
Q. I just got my earning statement for my annual-leave payout. In the remarks section, I have a line that says OVR EARN LIMIT: $5,697.00. I was a GS-15/5 with LEAP and had an annual-leave balance of 432 hours on retirement (April 30). I typically received over-earning notifications on my pay statement, so am familiar with the why. But I was under the impression that the earning limits did not apply to annual leave that was paid out on retirement. Is that true, or are annual-leave payouts on retirement subject to the same over-earning restrictions as regular pay?
Q. I’m a civilian employee and preparing to retire. My SF50 shows that I worked part time, 20 hours a pay period earlier in my career but was given 36 hours each pay period to work; however, I can’t prove I worked those hours because those leave and earnings statements are missing. How does one get copies of lost leave and earnings statements? A. You can get the information you need from the National Personnel Records Center. Go to www.archives.gov/st-louis, click on Civilian Personnel Records and follow the directions at that site.
Q. When I retired from FERS, I was 60 years old. I just turned 62 and my supplemental pay was terminated. What I learned from this is that I became accustomed to this extra pay and now that I do not have it I find myself seriously thinking of applying for my Social Security to cover the gap. I was really hoping to apply for Social Security at 65. I guess I wasn’t made aware of what is supplemental/bridge pay. What are your thoughts?
If you are receiving an annuity from a job where you didn’t pay Social Security taxes and are married to someone who did, you may be subject to the Government Pension Offset. The GPO can reduce or eliminate your Social Security spousal benefit. That definition applies to a lot of spouses who receive a Civil Service Retirement System annuity. The reason the GPO became law goes back to the original purpose of the spousal benefit feature in the Social Security system. It was designed to provide a modest level of security for those who didn’t work or who had earned…