Deferred annuity


Q. My husband left federal employment at age 55 after seven years. He was covered under FERS. He is almost 63 and has applied for a deferred annuity. He is thinking of returning to federal employment. If he does so and receives health benefits, when he retires, can he carry those benefits into retirement? Must he be re-employed for a certain length of time to do this?

A. He must be enrolled in the Federal Employees Health Benefits program for a total of five years to carry that coverage into retirement. If he was enrolled in the program on the day he left and re-enrolls when he returns to work, those periods of coverage will be treated as though they were continuous.


About Author

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

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