Adding spouse to insurance


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.


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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