Effect of adding dental coverage


Q. We have Federal Employees Health Benefits coverage. My husband hopes to retire within five years, and we are thinking of adding dental coverage during this open season. He understands that any change in coverage will jeopardize our carrying health coverage into retirement. Please explain how changes in coverage affect coverage in retirement.

A. He is mistaken. All he has to do to carry his FEHB coverage into retirement is to be enrolled in the program for the five consecutive years before he retires. Electing dental coverage or any other form of optional insurance wouldn’t have any effect on that.


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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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