Q. I am a FERS employee due to retire with 31 years of service in 2015. Upon retirement, if I elect no survivor benefit and elect to purchase life insurance instead, will my spouse continue to receive health benefits if I die before she does?
A. No, she won’t. FYI: You are required by law to provide a full survivor annuity for your wife unless she agrees in a formal, notarized writing to accept less or none at all.