Q. I am 49 and will shortly leave federal service, temporarily (I hope). I have 19 years of service and have always been an FEHB subscriber. When I return to federal service in my 50s, will I need to have an additional five years of FEHB-covered service before retiring with FEHB benefits? That is, does the consecutive five-year rule refer to (a) five years before retirement or (b) five consecutive years when one is eligible to subscribe to FEHB? For example, could I return to federal service at age 54 (as an FEHB subscriber) and then retire at my MRA…