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Retirement FAQs Post-Retirement

  • Recurring monthly payments may be made to the former spouse of a deceased employee under a court order. A former spouse must also meet the nine month marriage requirement. For additional information about court-ordered benefits, refer to the pamphlet, "Court-Ordered Benefits for Former Spouses [7 MB]." See how the amount of the former spouse survivor benefit is determined.
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  • There is no cost to provide a survivor benefit for an unmarried dependent child.  
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  • The employing office has 14 days to notify you of your TCC rights and send you an election form.  You must return the election form and a certified copy of your divorce decree within 60 days from your divorce date or 65 days after the date of the employing office notice, whichever is later.  Your coverage will be effective the day after your 31-day extension of coverage as a family member ends.
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  • Tax tables are set into law by the United States Congress and administered by the IRS.  Each year, the new tables are posted on the IRS website in IRS Publication 15 and Notice 1036.  We are required by law to update your Federal income tax withholding based on the new monthly periodic tax tables and formulas.   OPM withholds the required federal taxes according to your marital status and exemptions (dependents) elected.  You can change your tax withholding amount at any time.  It is a good idea to check the amount of your Federal and State tax withholding each year. Select this link to view the IRS Publication 15.  If you are looking at the specific tax tables you want to search for the Single or Married Monthly Payroll Period tables.
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  • Only you and the unmarried dependent children born to or adopted by you and your former spouse (the Federal employee or annuitant) are covered.
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  • 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.
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  • 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.
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  • 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.
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  • The Go Direct campaign has been involved with many of the most significant financial literacy efforts currently in force across the country, including:
    • The Bank On Program
    • FDIC Alliance for Economic Inclusion
    • FDIC Money Smart Curriculum
    • Money Smart Week
      In addition, during the campaign’s long tenure it has developed relationships with local financial literacy coalition leaders, positioning the Go Direct campaign as a dependable community financial education resource in communities around the country.   (Visit www.GoDirect.org for more information about fees and the surcharge-free network.)  
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  • 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.
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  • 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.
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  • 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.
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  • Generally, your taxes change due to a change in the tax tables.  Tax tables are set into law by the United States Congress and administered by the IRS. Each year, the new tables are posted on the IRS website in IRS Publication 15 and Notice 1036.  OPM is required by law to update your Federal income tax withholding based on the new monthly periodic tax tables and formulas. OPM withholds the required federal taxes according to your marital status and exemptions (dependents) elected. You can change your tax withholding amount at any time. It is a good idea to check the amount of your Federal and State tax withholding each year.  
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  • 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.
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  • 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.
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Total Count: 160, Number of Pages: 11, Page: 9
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