Ask The Experts: Retirement

By Reg Jones

FEHB coverage if disability denied

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Q. I am a 58-year-old FERS employee with 14 years of service, and I will be removed for medical inability next month. I have carried self-plus-family Federal Employees Health Benefits for the past seven years. When I am removed, I will go on my wife’s insurance policy. However, if my disability is denied by the Office of Personnel Management, do I lose forever the ability to keep my federal health insurance because I allowed it to lapse pending OPM’s disability decision?

A. If you were denied disability retirement, you would only be able to re-enroll if you returned to work for the federal government in a position that provided FEHB coverage.

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