Q: I am covered under the Federal Employees Retirement System and plan to retire at age 56 (my minimum retirement age) with 34 years of service. I will have met the five-year qualification for the Federal Employees Health Benefits program. I intend to keep a family FEHB plan in retirement to cover myself, my wife and my daughter. At my retirement, I will elect survivor benefits for my wife so she can continue to use my FEHB plan if I die before her. When I turn 65, my wife will be 56 and my daughter will be 19. I understand…