Browsing: insurance

Q. I’ve been on leave without pay for more than a year, having opted out of receiving a top-up from the federal government (I’m with HRSDC), instead collecting employment insurance only. My thinking was that I may not want to return to work, and I didn’t want to owe anything if I was to resign. I opted out of paying into my pension, as well, so I’m on indefinite “care of immediate family” leave. Today, my branch was summoned to a meeting, where we were told to expect the worst (they are cutting 30 percent of staff). I would like…

Q. I am a federal employee with 15 years of active service. For the past 11 years, I have been receiving workers’ compensation due to an on-the-job injury. I am eligible for regular retirement under FERS. Do the years on workers’ comp count as creditable service years with regard to computation for my retirement benefits? After I retire, under FERS, will workers’ comp still pay for my Federal Employees Health Benefits insurance premiums? A. Your years on workers compensation won’t be considered creditable service. The Office of Workers’ Compensation Programs won’t pay for your FEHB coverage after you stop receiving workers’…

Q. I am 44 years old, and I am covered under FERS with a scheduled leave date of November 1985 but did not start working full time until August 1989. I recently enrolled in the Federal Employees Health Benefits plan, as my wife’s insurance coverage was better than FEHB. If offered, would I be eligible for a VERA/VSIP without any penalty? A. Yes. Although you worked part time for several years, your service computation date shows that you were given full-time credit for those years of service. The only effect of having worked part time is that your annuity will…

Q. I am nearing retirement from federal government and have not signed up for the Federal Employees Health Benefits program in more than 10 years. At the time I stopped my medical insurance coverage, who would have the paperwork indicating that the stoppage was suspended or completely removed with my enrollment? A. As an employee, you could only have enrolled in the FEHB program or canceled your enrollment. You could not have suspended it. A copy of that cancellation would have been provided to you at the time and a copy placed in your official personnel folder.

Q. I was told that federal employees are not covered under temporary disability insurance. I was directed to different offices with negative results. I asked our CIVPAY office and was told that I have mandatory payroll deduction for Old Age Survivors and Disability Insurance for the past 28 years meant for disability insurance. I have submitted my disability retirement application to our civilian personnel Office at Fort Shafter, Hawaii, since December. I have depleted my personal savings and am experiencing financial hardship and I need help. Please direct me to the right office to apply for this temporary disability insurance…

Q: Am I right that my two, four-year term positions will count for retirement and after five years of continued employment I can keep my insurance? I am asking if my understanding is correct. A: If you were later appointed to a CSRS-covered position, those term positions will count toward an annuity if you make a deposit for that time to the retirement fund. If you were later appointed to a FERS-covered position, only term service performed before Jan. 1, 1989, would be creditable with a deposit. Term positions entered into on or after Jan. 1, 1989, aren’t creditable for…

Q: My father retired from active duty in 1961. He then went into government service until 1980. He served in the Korean War and World War II. He is now 93 and has Alzheimer’s, so he doesn’t know who we are. My mother is 84 and takes care of him. She gave me a piece of paper that has dad’s retirement information. She asked me what the $22.08 that comes out every month from dad’s check is for. It says “post retirement basic life insurance”. She said dad has paid this since 1961, but she has no idea what it…

Q: My daughter turned 22 in March, so her insurance on my policy through the Defense Department (Blue Cross) expired. Since the new health care reform bill extends coverage to age 26, but does not go into effect until Jan. 1, 2011, how does that affect her? Can she be reinstated on Jan. 1st to our current health insurance coverage as she previously was? A: During the interim, she would be able to enroll as an individual under the Temporary Continuation of Coverage provision, for which she would pay 100 percent of the monthly premiums plus 2 percent for administrative…

Q: I went to a Civil Service Retirement System seminar recently and an interesting question about retirement calculation came out during your Q-and-A: What I fail to follow was the first two options (of three) you mentioned regarding the basic life insurance choices. First, if I opted to keep my basic life insurance at its current level, would that mean that the insurance’s face value would remain the same for me as when I was employed through the rest of my retirement years? I would then assume that I will still continue to pay the same premium on basic life…

Q. I am retired (single ) but I have two daughters ages 24 & 23 who go to school and live at home. How and when can I add them to my FEHB policy? A. The effective date of this new provision of law is the first day of the plan year that is six months following enactment of the law. For the FEHB program, that means Jan. 1, 2011. OPM will take the necessary actions to comply with the new law by this effective date so that employees and retirees have the information in time for the annual Open…