Q. I’m a FERS employee who was hired in 2011. If I decide to retire with 10 years of service when I’m 58 and delay the receipt of my annuity until I reach age 62, how will that affect my enrollment in the health benefits program?
A. If you were enrolled in the Federal Employees Health Benefits program for the five consecutive years before you retired, your coverage would end after 31 days. While you’d be able to keep that coverage under the temporary continuation of coverage provision for up to 18 months, you’d be responsible for paying the entire premium, plus 2 percent for administrative costs. When that ended, you’d have no coverage until your annuity begins, at which point you’d be able to re-enroll in the FEHB program.