Q. Both my husband and I are Postal Service employees. I have been continuously covered under his Federal Employees Health Benefits family plan for more than five years. If I were to retire soon, will I be eligible to continue my health insurance coverage, or will this only be allowed if I am under my own individual plan for five years prior to retirement? A retirement video seems to indicate that the health coverage would have to be under my name for at least five years prior to retirement.

A. Relax. Employees only need to be enrolled in or covered by an FEHB enrollment to continue that coverage into retirement. Since you are covered by your husband’s enrollment, nothing will change when you retire. He is the only one who will need to be enrolled for the five consecutive years before he retires.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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