Do you have to take an annuity to get FEHB benefits?

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My spouse would like to receive FEHB benefits while I’m alive but does not want them when I retire as he can go to the VA. It is my understanding that if you take FEHB you must also draw an annuity – is that the case?

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Asked on July 31, 2017 9:08 pm
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You can have family or self+one coverage while you are working so your spouse is covered. Upon your retirement, you can continue that coverage with or without electing a survivor benefit. However you must elect a survivor benefit for your spouse to be eligible to continue FRHB upon your death and you also must have had either family or self+one coverage at that time.

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Answered on August 1, 2017 2:12 am