Browsing: FEHB

FEHB and spousal coverage in retirement


Q. I am enrolled in FEHB, but my wife has her insurance under her own employer. When I retire, can my wife switch her insurance to FEHB if she retires three year later and keeps her insurance with her employer until she retires? Does she need to be part of FEHB for five years before I retire?

Retirement and insurance with more than 30 years in CSRS


Q. I am 55 with 36 years of federal employment, including two one-year breaks in service. The last break was in 1985. I withdrew the funds I had paid into CSRS each time I broke service and have repaid a minimal amount of it. I thought I would be one of those people who worked forever; however, I have a progressively degenerative medical condition and likely will not be able to work more than another year at the most. I am totally ignorant about retirement and to what benefits I am entitled. For example, will my pension benefits be reduced…

Obama health care law and FEHB changes


Q. I am a CSRS retiree. I retired in 2005. I am a subscriber to the Federal Employee Health Benefits program, specifically Blue Cross-Blue Shield’s Standard Option with family coverage. My wife and I are also qualified for Medicare Parts A and B. That makes Medicare the primary coverage and FEHB/BC-BS the secondary coverage for any health benefits paid. 1. What (if any) changes in the plan’s coverages are anticipated for 2014 and beyond, due to the health care law? 2. Does OPM anticipate that current retirees/program members will be forced into a health care provider’s coverage offered under the…

Minimum service time to carry insurance into retirement


Q. I now have 2½ years of government service and am 66. When I retire in 2½ years, I’ll have five years with the government. Will I get the option to retain my Federal Blue Cross/Blue Shield of Alabama health insurance? If I would rather quit working for the government in one year, do I lose the opportunity to keep my federal BC/BS of Alabama coverage? I have total time in government employment today of only three years. I am contemplating quitting next year. What is the impact to my federal BC/BS insurance coverage? I signed up for Medicare Part…

Options after losing job-required license


Q. I am a FERS employee, 54 years old with almost 30 years of service. My performance has been above average, and I am a good employee. I am a licensed (medical field) therapist, and unfortunately, I just got a third DUI, which calls for mandatory jail time and is a class 6 felony. With a class 6 felony, I will lose my medical license and, I am told, my job. I was told by human resources I should resign and then wait until I am 62 to collect a deferred retirement. However, I still need to pay my bills…

Adding spouse to insurance after retirement


Q. My husband retired at the end of 2007. He is receiving his pension and is covered by FEHB. When he retired, I was still working and therefore did not need to be covered under his insurance, as my employer has coverage for me. I plan to retire at the end of this year; can he add me to his insurance during open enrollment this year? When he retired, we were told he could add me later, provided there was a life-changing event. Retirement would qualify as a life-change event.

Retirement and Medicare Part B


Q. My wife and I are civil service retirees. We both are employed with health insurance. We still have FEHB. I am planning to retire shortly. I will be able to transfer to my wife’s plan with her employer. After she retires, we will have about three or four years of coverage under that plan. After that, do we have to decide on whether to get Medicare Part B? Is my analysis correct?

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