Disability retirement and health insurance


Q. My husband is filing for federal medical retirement and his agency may be letting him go during this process. He currently has a family plan that includes me and the kids for his health insurance. When they let him go, we may not be able to afford to keep the entire family on his health plan under COBRA. If he drops the kids and me during the COBRA period, will it affect what insurance plan he will receive once his federal medical retirement is approved?

A. If he is separated from the service, he could change from self-and-family coverage to self-only; however, if he was approved for disability retirement, he could only switch back to self-and-family coverage during the following health benefits open season.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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