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Federal Employees Benefits Q &A

Do you have questions about your federal employee CSRS or FERS pension/annuity or federal employee retirement planning? Concerns about your Thrift Savings Plan (TSP) account or what about federal employee pay and leave issues?

Ask your question here.

The Q&A forum is moderated by Ed Zurndorfer -- an expert on federal employee benefits -- and a Certified Financial Planner, chartered life underwriter and chartered financial consultant in Maryland.

Zurndorfer is also the author of several federal employee benefits guides published by Federal Employees News Digest.

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Please do not submit employee benefits questions to the webmaster or the forum moderator.

Note: FederalSoup.com has attempted to compile information that is as accurate and current as possible for federal employees. Federal policies, laws, regulations, statistics and addresses continually change. Therefore, no warranties are made as to the accuracy or completeness of the information presented in this column. If additional clarification or information is needed, it is suggested that competent and professional assistance be sought. Mr. Zurndorfer does not moderate other forums on FederalSoup and will not reply to general FederalSoup inquiries submitted in this Q&A forum.

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Retiree711  
#1 Posted : Wednesday, December 28, 2016 12:33:18 PM(UTC)

Rank: Groupie

Groups: Registered
Joined: 8/14/2008(UTC)
Posts: 114

My FEHB health insurance is my primary insurance. My secondary coverage is thru my wife. She is retiring in 2 years. I am retired and turning 65 in a few months. My question is: Can I delay signing up for Medicare since my secondary health insurance is thru my wife's State employment or does her insurance have to be my primary in order to delay?
Ed Zurndorfer  
#2 Posted : Tuesday, January 03, 2017 12:55:19 PM(UTC)

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To delay enrolling in Medicare Part B, your wife's health insurance would have to be primary. That being said, you will still have to maintain your FEHB insurance and pay full premiums even though it is secondary. The reason for that is that if you drop your FEHB insurance after you retire from federal service, then you will not be able to reinstate your FEHB insurance. You also have to check out what are the conditions for your wife to keep you on her health insurance plan when she retires from her job.
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