Q. I’m retiring and have been enrolled in the FEHB program for over five years. Can I stay on Blue Cross and Blue Shield’s federal coverage along with Part A Medicare for as long as I please? I’m thinking of keeping BCBS instead of Medicare Part B or any other supplemental program. Is that a good idea?

Q. I’m 66 with 18 years continuous service plus two-year military service, which I paid into FERS in order to get it credited. I had 20 years under FERS when I was 53 already. I’ve worked in the private sector since. I understand the computation of the monthly benefits (@$95K x 20 years x 1.1%), but am not clear on what will happen with the FERS compensation (if any) from 62 to 66. Will the Office of Personnel Management pay this as a lump sum or calculate it into the impending payments or have I forfeited those years?

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’m a CSRS Offset retiree. If I don’t file for Social Security at age 62, my annuity will be offset (reduced) at the age of 62. It is my understanding that I can continue to work and not be subject to the Social Security income limitation, correct?

Q. I am 51 on Dec. 19, 2017. I have been with the government for 34 years. I have been offered Voluntary Separation Incentive Payment and Voluntary Early Retirement Authority. Can I take advantage of both? If I accept the VSIP and get the $25,000 buyout, can I keep my health insurance and benefits for life thru VERA? From my understanding, if I accept the VSIP, I will lose my health benefits in 18 months. Since I qualify for both VSIP and VERA, can I take both and get the buyout and keep the health benefits?

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