Q. I’m a firefighter under the special retirement plan. I’m at 20 years of civilian service but 44 years old. I meet the minimum service time, but not the age. Can I leave the civil service now? If I do, when would I receive my annuity? A. If you leave before being eligible to retire on an immediate annuity, you could apply for a deferred annuity when you reach your minimum retirement age, which is 57. That annuity would be based on your high-3 as a firefighter on the day you left. Note: You wouldn’t be able to reenroll in…
Q. I am a 46-year-old employee covered by the Federal Employees Retirement System. I have been enrolled in the FEHB for the last six years. If I resign from the government and apply for a deferred annuity at age 62, will I be able to reenroll in the FEHB when I collect my annuity? A. No, you won’t be able to do that. Deferred annuitants aren’t eligible to reenroll in the Federal Employees Health Benefits program.
Q. I will soon qualify for Medicare. My husband and I are looking at enrolling in FEHB Kaiser Basic Medicare plan. We currently have FEHB Kaiser. However, as I am a Sacramento County retiree, we can also enroll in the county Kaiser Medicare silver plan, which is a better deal. If we disenroll or suspend FEHB coverage, can we go back during open enrollment? Counties are sometimes susceptible to bankruptcies. A. You can suspend your FEHB coverage. If your other plan went out of business, you could immediately re-enroll in the FEHB program. If it didn’t but you want to…
Q. I’m in the MRA+10 category. If I leave government and apply for a postponed annuity, when can I enroll in FEHB? And, if so, would it be only after receiving an annuity or only during Open Season? A. When you apply for your postponed annuity, let OPM know that you want to re-enroll in the FEHB program. Then when you annuity begins. so will your FEHB coverage.
Q. I am turning 65 in March, and am considering joining a Medicare Advantage Plan. I would suspend my FEHB plan at that time, in case I decide to go back to it. If I decide to re-enroll in my FEHB, I know you have to wait until the next open season, which would be the fall period. But the Advantage Plans have an additional open season in the spring, could I do it then as well? And would it have to be that first open season, or could you still go back, say, the next open season the following…
Q. I am a federal retiree in the CSRS retiree program. I retired after 42 years of government service and am now 67 years of age. I am presently under my husband’s State of Maryland health plan. He is retired also. During open season this year, we would like to change our health insurance plan to the Federal Government Blue Cross/Blue Insurance health plan. Can we do this?
Q. I left federal service in 2006 with 22 years of service and was in FEHB at all times. If I can go back into federal service to regain eligibility for FEHB in retirement, what type of appointment need it be? And is there a minimum time of service before retiring from that reemployment at age 60 or older?
Q. I’m a FERS employee. I was told if you resign from the government and collect retirement later, you lose the health insurance coverage for you and your husband and you cannot re-enroll when you retire. Is that true?
Q. I am 56, but only have six years of government service time. Even though I’ve worked for a U.S. government agency for 31 years, only my time with government service counts toward retirement. Would I be allowed to leave the government before my minimum retirement age and take a deferred annuity at age 62? If this is possible, would I be able to keep my medical coverage?