Q. I have been a federal employee for 28 years and can retire in two years. My husband has been a federal employee for six years and will not reach retirement age (62) for 12 more years. I have been carrying FEHB benefits for our family. We have structured life insurance (outside of FEGLI) so that neither of us will have to rely on survivor benefits for income. I am trying to decide whether to elect the reduced survivor benefit so I can retire with the FEHB benefits for the family or whether we should switch FEHB benefits to my…