Q. I am a postal employee with self-only coverage. My wife works in private industry and has her own self coverage. Do I need to convert to family coverage and add my wife five years before I retire to keep her on my health insurance? Also, where can I find answers to questions like this?
A. No. If she were to lose her private-sector coverage, you could change from self-only to self and family coverage from 31 days before to 60 days after that event.