Q. I am a 58-year-old FERS employee with 14 years of service, and I will be removed for medical inability next month. I have carried self-plus-family Federal Employees Health Benefits for the past seven years. When I am removed, I will go on my wife’s insurance policy. However, if my disability is denied by the Office of Personnel Management, do I lose forever the ability to keep my federal health insurance because I allowed it to lapse pending OPM’s disability decision?
A. If you were denied disability retirement, you would only be able to re-enroll if you returned to work for the federal government in a position that provided FEHB coverage.