Should we have individual FEHB plans going into retirement?

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Both spouse and I are Federal employees covered by his FEHB (over 10 years). We plan to retire in the next 5 years. If he dies before me can I maintain the insurance? I have read that in order to carry FEHB into retirement, you need to be enrolled for 5 years prior. Does enrollment on his plan constitute enrollment for me or do I need my own plan should something happen to him?

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Asked on August 2, 2019 6:52 pm


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In order to carry FEHB into retirement, one must be a federal employee and 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. It does not say you had to have coverage in your name, so you will be protected should something happen to your spouse. Likewise, should you just decide to switch to two self only plans, you would still meet the five year rule to carry FEHB into retirement.

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Posted by (Questions: 0, Answers: 589)
Answered on August 2, 2019 7:34 pm