Click here to skip navigation
This website uses features which update page content based on user actions. If you are using assistive technology to view web content, please ensure your settings allow for the page content to update after initial load (this is sometimes called "forms mode"). Additionally, if you are using assistive technology and would like to be notified of items via alert boxes, please follow this link to enable alert boxes for your session profile.
An official website of the United States Government.

Frequently Asked Questions Retirement

Family Benefits

  • You must apply within 60 days of: • the date your marriage ended, or • the date the employing office notified you that your qualifying court order (or your former spouse’s election) entitled you to coverage, whichever is later.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Generally, if you cancel your spouse equity enrollment, you may not reenroll.  However, if you cancel because you: • become covered as an employee or a family member under another person’s FEHB enrollment, or • become covered under a Medicare HMO or Medicaid, you may reenroll if you lose the other coverage.  You must provide documentation of the other coverage when you cancel your spouse equity enrollment.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Generally, an unmarried dependent child who is over age 18 can receive a survivor benefit if incapable of self-support due to an injury or medical condition which occurs before turning age 18.  After turning age 18, an unmarried dependent child can receive a survivor benefit if enrolled in a recognized school on a full-time basis until age 22.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • If married at the time of retirement, and you decide not to provide a survivor benefit, your spouse must sign the Spouse’s Consent to your Election in the presence of a notary or other authorized official.  To avoid a delay in processing, the document (SF-2801-2 for CSRS or SF-3107-2 for FERS) must accompany your application for retirement.  The consent requirement can only be waived under certain circumstances such as when the spouse’s whereabouts are unknown. A decision not to provide a survivor benefit becomes final 30 days after the date of your first regular payment.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Spouse Equity: 1. If you qualify for spouse equity, you can elect FEHB coverage in your own right. 2. Your coverage continues indefinitely, as long as you continue to meet the requirements and pay your premiums. 3. You must pay both the employee and government shares of your plan’s FEHB premium. TCC: 1. Your coverage is limited.  It will end 36 months after your divorce or annulment, or earlier if you do not pay your premiums. 2. You must pay both the employee and government shares of your plan’s FEHB premium, plus an administrative charge equal to 2% of total plan premiums.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • No.  According to the FEHB law, if you or your former spouse didn’t notify the employing office within the 60-day limit, your opportunity to elect TCC ends 60 days after your divorce or annulment.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • The time limit for notification is 60 days from your divorce or annulment.  Either you or your former spouse must notify the employing office in writing that you want TCC.  If your former spouse is retired, notify the retirement system.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Applying for spouse equity coverage is a three-step process: 1. You must notify your former spouse’s employing office in writing that you want to apply for spouse equity coverage; 2. You must ask your former spouse’s retirement system to determine if you qualify based on either your court order or your former spouse’s survivor annuity election when he/she retired. The employing office will tell you how to request this determination; 3. Send this determination to the employing office.  If you qualify for coverage, it will send you a health benefits election form so you can choose a health benefits plan and option.  The employing office will initiate your enrollment when it receives your completed form.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Yes, as long as your marriage ended before his/her 18-month TCC eligibility period expired.  Your TCC coverage ends 36 months after the date of his/her separation from service, not 36 months after the date your marriage ended.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • You are no longer an eligible family member when your divorce or annulment becomes final.  You get a 31-day extension of your health benefits plan’s coverage after that date.  You may convert to an individual contract offered by your health benefits plan, if you don’t qualify for or don’t want FEHB coverage through spouse equity or TCC.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.

Unexpected Error

There was an unexpected error when performing your action.

Your error has been logged and the appropriate people notified. You may close this message and try your command again, perhaps after refreshing the page. If you continue to experience issues, please notify the site administrator.

Working...