RIF, FEHB and the five-year rule


Q. I am an EAS employee in FERS with 23 years of service at age 63. I have been enrolled self-only in the Federal Employees Health Benefits plan for 4½ years. Should I be terminated through a reduction in force, would I still be able to carry my coverage into retirement although I am short of the five-year enrollment requirement. I understand that there are certain exemptions to the five-year rule. I did not plan to retire until I reached 65.

A. You’d receive a pre-approved waiver of the five-year requirement because you would meet the criteria: You were covered under the FEHB program continuously since the beginning of your agency’s latest statutory early retirement authority, and you retired before the ending date of that authority.


About Author

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

Leave A Reply