Welcome Guest! To enable all features please Login or Register.

Notification

Icon
Error

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.

You must Register before posting to this forum.
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.

Your question will be put into a message queue and submitted for review. We cannot guarantee that all questions will be answered, however any answered questions will appear below, and some will also be featured in our daily Federal Daily e-newsletter (Subscribe here). Federal Soup users should not submit replies to the questions posted, as we leave the replies for the moderator only. Any replies to questions other than the moderator will be deleted.

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.

Options
Go to last post Go to first unread
TheRealOrange  
#1 Posted : Monday, December 03, 2018 8:23:19 AM(UTC)
TheRealOrange

Rank: Senior Member

Groups: Registered
Joined: 5/22/2011(UTC)
Posts: 509

Was thanked: 96 time(s) in 82 post(s)
Hello, Mr. Zurndorfer. A recent article on another site is causing some confusion and concern among many federal employees who are covered by a spouse’s FEHB Program plan. In particular, this sentence is being used by some to indicate that unless a federal employee has 5 years under his/her own plan, he/she will be unable to take the coverage into retirement, “No matter how long you’ve been with the federal government you cannot enroll or stay in the FEHBP unless you have been in it, and paying premiums, for the five years preceding retirement.” Since the employee’s spouse, not the employee, will be paying the FEHB premiums through payroll deductions, employees are now questioning past guidance, even from OPM, that they can be covered under a spouse’s FEHB Program plan and meet the 5-year rule. Here is the OPM guidance from an FAQ:

To continue your health benefits enrollment into retirement, you must: (1) have retired on an immediate annuity (that is, an annuity which begins to accrue no later than one month after the date of your final separation); and (2) have been continuously enrolled (or covered as a family member) in any FEHB Program plan (not necessarily the same plan) for the five years of service immediately preceding retirement, or if less than five years, for all service since your first opportunity to enroll.

Can you please confirm that a federal employee who has been covered as a family member in any FEHB Program plan for the five years of service immediately preceding retirement is eligible to carry the FEHB benefit into retirement? Thank you.
Ed Zurndorfer  
#2 Posted : Monday, December 03, 2018 10:09:41 AM(UTC)

Rank: Senior Member

Groups: Registered
Joined: 9/10/2001(UTC)
Posts: 5,534

Was thanked: 142 time(s) in 131 post(s)
Yes, confirming that an employee who has been enrolled in the Federal Employees Health Benefits (FEHB) program for at least the last five years of Federal service under another family member’s FEHB coverage is eligible to keep FEHB coverage throughout retirement.
TheRealOrange  
#3 Posted : Monday, December 03, 2018 10:37:37 AM(UTC)
TheRealOrange

Rank: Senior Member

Groups: Registered
Joined: 5/22/2011(UTC)
Posts: 509

Was thanked: 96 time(s) in 82 post(s)
Originally Posted by: Ed Zurndorfer Go to Quoted Post
Yes, confirming that an employee who has been enrolled in the Federal Employees Health Benefits (FEHB) program for at least the last five years of Federal service under another family member’s FEHB coverage is eligible to keep FEHB coverage throughout retirement.

Thank you very much!
Ed Zurndorfer  
#4 Posted : Monday, December 03, 2018 10:48:56 AM(UTC)

Rank: Senior Member

Groups: Registered
Joined: 9/10/2001(UTC)
Posts: 5,534

Was thanked: 142 time(s) in 131 post(s)
You are most welcome.
Rss Feed  Atom Feed
Users browsing this topic
Guest
Forum Jump  
You cannot post new topics in this forum.
You cannot reply to topics in this forum.
You cannot delete your posts in this forum.
You cannot edit your posts in this forum.
You cannot create polls in this forum.
You cannot vote in polls in this forum.


This page was generated in 0.045 seconds.