Q. I will be retiring soon under FERS with more than 20 years of service. Would my husband be covered under my health insurance should I die? He has been on my policy for more than five years. Would I have to take the spouse annuity to keep him on my insurance policy should this occur?
A. Unless your husband was either a federal employee or retiree or was receiving a survivor annuity based on your federal employment, he wouldn’t be eligible to continue coverage under the Federal Employees Health Benefits program.