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Richtales  
#1 Posted : Friday, April 13, 2012 6:43:41 PM(UTC)
Richtales

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I've looked everywhere on the OPM site and can't find anything about this.  My wife retired from teaching and the county no longer pays any of her BCBS, which was paid before she retired.
 
I've been retired for two years and have FEHP BCBS (standard) individual and am paying $185 a month.  She's paying $350 a month now for hers.
 
I plan on switching, in Nov. during open season, to basic which will only be $121 a month but would love to also switch to family, to cover the wife!
 
Can I switch from individual to family or does the five year prior to retirement apply there too?
 
And, if I switch would my share of the premium really only be $285 a month?
 
Fingers crossed for your answers!  :) 
Fed1969  
#2 Posted : Friday, April 13, 2012 8:52:32 PM(UTC)
Fed1969

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I think you can switch now based on the following life changing events:




1GEmployee, spouse or dependent:
  • Begins nonpay status or insufficient pay or
  • Ends nonpay status or insufficient pay if coverage continued
  • (If employee's coverage terminated, see 1D.)
  • (If spouse's or dependent's coverage terminated, see 1M.)

upandup  
#3 Posted : Saturday, April 14, 2012 12:40:05 AM(UTC)
upandup

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You have a Qualifying Life Event and should be able to switch enrollment category now--I think you can even switch plans.

The five year rule applies only to having some level of FEHB coverage. Enrollment category (self v. self and family) is irrelevant.


rabbitdog99  
#4 Posted : Saturday, April 14, 2012 2:37:09 AM(UTC)
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I think you have to have taken the survivor annuity benefit when you retired in order for your wife to be eligible for FEHB now.  I'm sure someone will tell us if I'm wrong.    


Fed1969  
#5 Posted : Saturday, April 14, 2012 3:36:40 AM(UTC)
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rabbitdog99 wrote:


I think you have to have taken the survivor annuity benefit when you retired in order for your wife to be eligible for FEHB now.  I'm sure someone will tell us if I'm wrong.    



Your wrong.

However coverage will be lost after death if a survivor annuity is not provided.
upandup  
#6 Posted : Saturday, April 14, 2012 10:20:39 AM(UTC)
upandup

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Fed1969 wrote:

rabbitdog99 wrote:


I think you have to have taken the survivor annuity benefit when you retired in order for your wife to be eligible for FEHB now.  I'm sure someone will tell us if I'm wrong.    



Your wrong.

However coverage will be lost after death if a survivor annuity is not provided.

Correct. And coverage will not be available even if a survivor annuity is provided if the survivor wasn't covered  by a Self and Family enrollment at the time of death.
Fed1969  
#7 Posted : Saturday, April 14, 2012 10:23:24 AM(UTC)
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I strongly recommend a survivor annuity.
Richtales  
#8 Posted : Sunday, April 15, 2012 5:51:56 PM(UTC)
Richtales

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Thanks everyone!  And, yes, I do have a shared annuity.  I'll just have to wait until fall and make the changes in open season.
upandup  
#9 Posted : Monday, April 16, 2012 12:32:39 AM(UTC)
upandup

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Why do you have to wait until Open Season? Based on what you described, you seem to have a Qualifying Life Event with the change in your spouse's employment status. Check out the table of QLEs in the SF 2809. But act quickly, because there are time limits.
http://www.opm.gov/Forms/pdf_fill/SF2809.pdf
dhacker56  
#10 Posted : Monday, April 16, 2012 12:42:54 AM(UTC)
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YES you can switch coverages with QLE you referred to.  But you only have a certain amount of time.

Tcc1  
#11 Posted : Monday, May 07, 2012 8:47:54 PM(UTC)
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This is my situation and please let me know if I'm understanding all this correctly.
 
My wife has her own coverage with her employer.  I have FEHB  coverage just for me.  I plan to retire at the end of this year she plans to work for another 2 years.  When she retires she can't take her coverage into retirement will I be able to get familty coveage for both her and me at that point with FEHB.  Is that right?
Fed1969  
#12 Posted : Tuesday, May 08, 2012 5:47:23 AM(UTC)
Fed1969

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dhacker56 wrote:
YES you can switch coverages with QLE you referred to.  But you only have a certain amount of time.


Switch ASAP.  If you wait and die, their will be no survivors FEHB. 
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