By Reg Jones
Q. Does my wife have to sign up for Medicare? If so, when does she have to sign up? And, if my wife does not sign up for Medicare, will she incur any penalty?
Scenario: I am a working FERS employee and my wife still works. She is not a government employee. I have self-and-family Federal Employees Health Benefits coverage. I am not yet age 65. My wife will turn 65 this year.
February 17th, 2014 | Coverage after retirement Deferred retirement discontinued service retirement DOWNSIZING FEHBP HEALTH INSURANCE Minimum retirement age RETIREMENT separation Special retirement supplement
Q. I am 57 years and two months old. I am most likely going receive a sanction on my nursing license in late April or early May. I have 21 years and three months of service, including three years of military buyback time. I have carried federal health insurance since 1995. If I wait until the probable board sanction and I get terminated, will I still be able to defer retirement until age 60? Will I still be able to continue health insurance at age 60? Or would it be better to retire the day before the stated board of nursing action and avoid termination? Also, if I am terminated do I go to human resources and apply for deferred retirement, or do I do it through the Office of Personnel Management?
Q. I am planning my retirement. Once I retire, do I have to pick up the full amount for my health insurance, or does the government still contribute toward the premium?
Q. I am 57 years and two months old. I have 21 years of federal service (FERS), including two years and 11 months of military buyback time. I am considering early retirement. I have maintained Federal Employees Health Benefits since I started 18 or so years ago. The human resources experts here are telling me that if I defer my retirement to age 60 (which I am eligible) that I can never again receive FEHB. I cannot find that statement anywhere. I have seen a local in-service slide presentation that you can defer retirement until age 60 or 62 and pick up health insurance at that time. Can you tell me what is correct in this scenario?
February 10th, 2014 | Coverage after retirement Creditable service: FERS Deferred retirement Early retirement FEHBP HEALTH INSURANCE Minimum retirement age MRA + 10 Postponed retirement Re-enrollment RETIREMENT
Q. Do I have any options for early retirement that will allow me to keep Federal Employees Health Benefits if I retire at age 52-55 with 20-23 years of service with a minimum retirement age of 57? I know I can take postponed, but then I lose FEHB. So I was wondering if there was any other way.
Q. I am 61 years old, a retired postal worker. My husband is turning 65 in July. I carry our medical insurance, Blue Cross/Blue Shield. Should my husband sign up for Medicare Part B, or is he required to do so?
Q. I have a disabled adult daughter living with my husband and me. By the time I am able to retire in eight years, I will meet criteria of having 20 years of federal Service and age 62+. My daughter and husband will have been on my health insurance, vision, and dental insurances by then for more than 10 years. I know my husband can continue on my insurance when I retire. Can my daughter also?
Q. I am 64 years old with 28 years in the post office, all FERS. I would like to retire in March. How long will it take for my Social Security checks, my Thrift Savings Plan account and my Postal Service pension checks to begin? I would like to continue my current health plan and apply for Medicare ASAP. I would also like to keep my current life insurance plans.
Q. I am 52 years old, 25 years in FERS, potentially being offered a Voluntary Separation Incentive Pay. If I do the VSIP, I will be employable at my current salary outside the government.
If I take the VSIP, can I carry my Federal Employees Health Benefits into retirement if I pay for it?
Can I delay collecting my retirement until age 62 and carry my FEHB through to retirement?
Q. I have eight years and six months working for the federal government, but I am 64 years old. No CSRS time, only FERS. Am I eligible to participate in the Voluntary Early Retirement Authority/Voluntary Separation Incentive Pay, if one is offered and would I be able to carry over my health care benefits?
Q. My mother died while working for the Postal Service at age 60. My father is a survivor annuitant receiving a pension and paying for health care premiums under the Federal Employees Health Benefits plan. My father is turning 65 and eligible for Medicare. Does he have the option of declining Part B and carrying over his current FEHB health care for his lifetime?
Q. With respect to a recent post on Medicare Part B, just a quick follow-up to help me see the answer.
In the previous post, the person was a retired male under age 65 covered by self and family in the Federal Employees Health Benefits plan, so his working wife, age 65, has health coverage and doesn’t need Part B per your previous response since she is both working and covered.
1. When the male, who is retired, turns 65, does he have the option to carry the FEHB coverage past 65 so he doesn’t have to sign up for Part B even though he must register for Medicare?
2. If he can carry the FEHB coverage past age 65, does the situation change for his working wife?
3. If he has to switch to Part B coverage at age 65, does the situation change for his working wife?
Q. I’m a retired federal employee (CSRS). My wife and I both have federal health insurance. My wife is still working (self-employed) and will be turning 65 this year. She went to sign up for Medicare and was told she had to also sign up for Medicare Part B or be penalized even though we have health insurance through Blue Cross/Blue Shield.
Social Security Administration said if I was still actively federally employed, she would not be required to take Part B and there would be no penalty. Another person she spoke with from SSA said she is not required to take Part B and there would be no penalty since we have health insurance.
What is correct?
Also, when I turn 65 will I be required to sign up for Part B?
Q. My wife is 65 and is retiring under FERS from federal service at age 66 (in one month). I resigned under FERS two years and three months ago while not old enough for Medicare but was self-employed for the past two years, now employed by a nongovernment contractor.
I had Federal Employees Health Benefits coverage separate from my wife’s FEHB coverage while employed in federal government service. My wife had her own coverage until I quit federal employment, then she started FEHB family coverage to cover both of us. She had Medicare coverage simultaneously for part of the last year because she was required to apply for Medicare benefits at age 65 and she was not sure of how to keep my coverage so we doubled up temporarily.
In a retirement seminar, my wife was told to stay with her FEHB plan when retiring because of better coverage for her extensive medical needs than a Medicare plan would give. Will I be covered as a spouse under her plan while my wife is retiring and be covered into her retirement without being dropped? I have had continual FEHB coverage for over 20 years, including the past two years in the family plan and the previous 20 in a single plan.
Q. Reading some of the questions that are being answered, there is some confusion. Some say if you retire at your minimum retirement age, you will not be able to continue health care coverage, but you must wait to retire at 60 to be able to remain in program. Other answers have been you can have your health care coverage renewed when you reach 60 when you apply for your deferred annuity. Can you clear this up? If I retire at my MRA which is 56, will my health care coverage continue?
Q. My wife and I were both career federal employees. She left federal service a few years ago with FERS MRA+10. She postponed retirement until now to avoid the penalty.
Just before leaving service, I changed my Federal Employees Health Benefits coverage from self only to self and family to cover her. She then terminated her coverage (had been covered more than five years continuously prior to that).
When she starts retirement, she can enroll in FEHB self-only coverage. Can I also change my coverage to self-only at that time? Is her eligibility to continue FEHB coverage a qualifying life event for me to change from self and family to self only?
Q. My husband has a rare syndrome, and his prognosis is only a couple years. He cannot be left alone during the day, and I cannot afford to pay someone to stay with him all day. I am age 50, and a GG-13 Step 7 with 15 years of government service (four years of active-duty time is included in this). Can I retire now (I am under FERS) and still keep my health insurance? What would I receive in pension, and what would be the cost of keeping my health insurance as I cannot afford to lose it due to all of his medical appointments?
Q. I’m age 50 with 25 years of non-Postal service under FERS. If I have a medical condition that qualifies me for disability retirement, will I still be covered under FEHB after retiring on disability? I would only pay my portion of the premium as if I am still employed, correct? I have been enrolled in Federal Employees Health Benefits my entire career.
And would I still receive the special retirement supplement when I hit my minimum retirement age of 56, even though I am retired on disability?
Q. I have 22 years in federal service under FERS and am 56 years old. I have held Tricare Prime under my retired spouse for over five years and Blue Cross/Blue Shield under my position for four years. If I take early retirement, can I carry my insurance into retirement? Do I meet the conditions to receive the special retirement supplement until I reach age 62? If not, under what conditions could I receive the special retirement supplement that would carry until I reach my Social Security age?
Q. I retired a few years ago with a pension and with Federal Employees Health Benefits coverage. Turned 65 a year ago. Have not applied for Social Security, as the benefit will be less than $200 per month.
All sources tell me that when I apply for Social Security, Medicare Part A will be mandatory, even though all our working careers, they said we can just have FEHB for retirement. I do not want Part A and wish to remain with FEHB only. Also with all of the mixups, I am sure they will put me into Part B, as well (even though I do not want or need).