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?

Q. I resigned from the Department of Veterans Affairs in 2015 to pursue a new career in the private sector, but am now unemployed. Being born with profound hearing loss – both ears – I just found out I should qualify for Social Security Disability Insurance. If approved, can I apply for FERS disability? I’m 53 with 28 years federal service.

Q. I have 20 years of service at 50 years of age. I am thinking about leaving the government. I plan to defer my retirement. I understand if I do this, I will lose my health and life benefits. I also understand I would not lose them if I wait until I am 56. My question is, if I return to the government when I am 57, and retire at 60, will I be eligible to receive full retirement benefits? That would give me 23 years of service at 60.

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