Health benefits after 62


Q. I was approved for FERS Disability Retirement in June 2016 and have been receiving my disability annuity ever since. What happens to my federal health benefit plan and dental plan when I turn age 62? Do the medical and dental convert to Medicare or does the coverage remain the same? If the plan remains the same, do the premiums change annually?

A. Any coverage you now have will continue when your disability annuity is converted to a regular annuity. The premiums for that coverage will be the same as for all other federal employees and retirees covered by your plans, and will change when new premiums are negotiated between the carriers and OPM. For FEHB-covered retirees, that change goes into effect in January of each year. 


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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