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Retirees / Survivors Guide Me

Overview

Welcome to the insurance services website for Federal retirees and their survivors. Here, you will find various resources to help you and your family make informative choices regarding health, dental, vision, life, and long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need.

Choose a program to begin:

Health

As a Federal employee, you may be able to enroll in health, dental, vision and life insurance, flexible spending accounts, and apply for long term care insurance. You can find information about each program by clicking on one of the links below. Each section includes common questions to help guide you to the information you need. Learn More

Dental

Eligible employees and annuitants can choose among 4 nationwide and 3 regional dental plans. Nationwide plans also offer international coverage. Learn More

Vision

Eligible employees and annuitants can choose among 3 nationwide vision plans. Nationwide plans also offer international coverage. Learn More

Life

We offer the largest group life insurance program in the world, covering employees, retirees and family members. Learn More

Flexible Spending Accounts

Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season. Learn More

Long Term Care

Most Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives are eligible to apply for insurance coverage under the FLTCIP. Learn More

Health

What benefits are available?

The Federal Employees Health Benefits (FEHB) Program consists of different types of plans: Fee-for-Service with a Preferred Provider Organization; Health Maintenance Organizations; Point of Service; High Deductible Health Plans; and Consumer Driven Health Plans. How you obtain coverage or services and pay for it differs depending on the plan. However, benefits available under all plans includes hospital care, surgical care, in-patient and out-patient care, obstetrical care, mental health and substance abuse care, and prescription drug coverage. And there are no waiting periods or pre-existing condition limitations under the Program, even if you change plans.  Benefits do not change for you simply because you are retired.

When you retire, you are eligible to continue health benefits coverage if you meet all of the following requirements:

  • you are entitled to retire on an immediate annuity under a retirement system for civilian employees (including FERS MRA + 10 retirements); and
  • you have been continuously enrolled (or covered as a family member) in any FEHB plan(s) for the 5 years of service immediately before the date your annuity starts, or for the full period(s) of service since your first opportunity to enroll (if less than 5 years).

In some cases exceptions are made.

Information for Retirees and Survivor Annuitants The web version of our print pamphlet Information for Retirees and Survivor Annuitants, RI 79-2, this pamphlet summarizes the principal FEHB requirements and benefits from the retirees viewpoint.

Frequently Asked Questions
The questions that we are most asked by annuitants and their families.

FEHB Handbook Chapter
This chapter in the FEHB Handbook discusses the special FEHB considerations for annuitants.

Related Questions

Dental

Eligible employees and annuitants can choose among 4 nationwide and 3 regional dental plans. Nationwide plans also offer international coverage.

Choose your question:

Vision

Eligible employees and annuitants can choose among 3 nationwide vision plans. Nationwide plans also offer international coverage.

Choose your question:

Life

We offer the largest group life insurance program in the world, covering employees, retirees and family members.

Choose your question:

Flexible Spending Accounts

Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season.

Choose your question:

Long Term Care

Most Federal and U.S. Postal Service employees and annuitants, active and retired members of the uniformed services, and their qualified relatives are eligible to apply for insurance coverage under the FLTCIP.

Choose your question:

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