Adding spouse to insurance after retirement


Q. My husband retired at the end of 2007. He is receiving his pension and is covered by FEHB. When he retired, I was still working and therefore did not need to be covered under his insurance, as my employer has coverage for me. I plan to retire at the end of this year; can he add me to his insurance during open enrollment this year? When he retired, we were told he could add me later, provided there was a life-changing event. Retirement would qualify as a life-change event.

A. Yes, he can add you during the next open season. He can also add you if you lose your private health insurance coverage when you retire. He can do that under Qualified Life Event 2G. And he can do it from 31 days before through 60 days after your coverage is terminated.


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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