Q. Does the U.S. Post Office have the option of not paying into Social Security? I’m asking because my father worked for 36 years for the Post Office and was denied Social Security with the explanation that he wasn’t covered by Social Security while a Postal Service employee. This makes no sense to me because I thought that coverage was automatic and mandatory. How is it at all possible for someone to not pay into Social Security when it’s taken out of your check? Is there an option of not paying into it? Is there something that my father, as…

Q. I was married 13 years to a CSRS federal employee. Upon his death I received the papers to file for benefits; however, I became very sick. Due to my decline in health, I was unable to return the papers. It has been two years. Is it too late to receive the benefits?

Q. I am a federal retiree in the CSRS retiree program. I retired after 42 years of government service and am now 67 years of age. I am presently under my husband’s State of Maryland health plan. He is retired also. During open season this year, we would like to change our health insurance plan to the Federal Government Blue Cross/Blue Insurance health plan. Can we do this?

Q. What is determined to be my high-3? Is it based on my last three years of civil service employment prior to retirement or is it the highest three earning years during the course of my career?

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