How will OPM know of previous family coverage?


Q. My husband and I are employed with different federal agencies. He is with the Veterans Affairs Department, and I am with the Defense Department. He has covered me under a family plan for the past 10 years. We are both preparing for retirement next year. Our daughter turned 27 this year and is no longer eligible for coverage under the family plan. So it is cheaper for each of us to elect our own self insurance plans, rather than for him to continue the family plan. If I elect a self plan this open season, and then retire next year, how will the Office of Personnel Management know that I have been covered under Federal Employees Health Benefits for the required five years? I don’t want to be stuck without coverage eligibility after I retire.

A. OPM will know that you have been enrolled in or covered by the FEHB program for the five consecutive years before you retire.


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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