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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

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.

Choose your question:

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

Do my premiums change now that I’m retired?

If you are eligible, and choose to continue your insurance as an annuitant or compensationer, you must complete a Continuation of Life Insurance Coverage form (SF 2818). On this form, you elect if you want to continue your Basic life insurance into retirement or compensation and elect the amount of Basic insurance you want after age 65 (or retirement, if later). The choices are 75% Reduction, 50% Reduction, or No Reduction.


For annuitants, the Office of Personnel Management pays the Government contribution, and the retirement system makes withholdings from your annuity.

 

Cost for Annuitants for each $1,000 of the Basic Insurance Amount in Effect at the Time of your Retirement

 

 

75% Reduction

50% Reduction

No Reduction

Until the Month after your 65th Birthday

$0.3250 monthly

$0.9250 monthly

$2.1550 monthly

Starting the Month after your 65th Birthday

Free

$0.60 monthly*

$1.83 monthly*

 

* This amount will be withheld from your annuity for life (unless you cancel or subsequently elect 75% Reduction).


If you have Optional insurance and are eligible to continue it, you must choose how you would like to continue it in retirement (if you choose to keep Option A, it automatically reduces when you reach age 65 [or retire, if later]. There is no reduction election for Option A). For Options B and C, you can choose whether to have all or some of the multiples reduce or not reduce.


You pay 100% of the cost of Optional insurance. The premiums for the three Optional insurance coverages are based on your age and the number of Option B and/or Option C multiples (up to five) you elect. They may increase as you get older. Refer to our Handbook for more information on the pricing of the three Optional insurances.

Related Questions

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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