5 year requirement


Q. My husband just retired under FERS. We are both federal employees. I am under FERS as well with a 31 years born 1964 plan to retire at age 56 like my spouse in 4 years and 11 months. I dropped my PPO insurance years ago when we married, and he covers me under his PPO Blue Cross Blue Shield. Before I retire, am I required to spend the last five years with my own health insurance?

A. No, you aren’t required to have your own enrollment for the 5 consecutive years before retirement. You only need to be covered by the program, which you are.


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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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