Ask The Experts: Retirement

By Reg Jones

FEHB family coverage in retirement

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Q. I am CSRS Offset with more than 31 years of service. I had insurance through my husband’s work until five years ago. Then I signed up for Federal Employees Health Benefits single coverage health insurance. His insurance continued to cover him and our children. Later, a co-worker told me that, to have FEHB family coverage in retirement, I would have to have five years of family coverage before I retire.

A. Your co-worker is mistaken. You could change from self-only coverage to self and family during any open season.

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