Ask The Experts: Retirement

By Reg Jones

When to elect vision and dental

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Q. I am a federal employee with federal health insurance but no vision or dental insurance. I’m covered under my husband’s nonfederal vision and dental. He plans to retire in 2014. At that time, I plan to add him to my health insurance, which I have had for over five years. Can I wait to elect the federal vision and dental insurance at that time, or must I elect them during the current open season to avoid loss of coverage if my husband retires before the next open season?

A. You’ll have to change to self-and-family coverage during the open season before he retires.

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