Click here to skip navigation
An official website of the United States Government -

Frequently Asked Questions Insurance

I know you have to be enrolled in the FEHB Program for 5 years before retirement to continue coverage in retirement. Does previous enrollment count towards 5 years or does it have to be five continuous years? This employee was enrolled for about two years in the past and wonders if this counts towards the 5 years.

It depends.  FEHB law requires a retiring employee to be covered under FEHB for the 5 years of service immediately before retirement or, if less than 5 years, for all service since the employee’s first opportunity to enroll in FEHB.  In the above situation, the employee’s 2 years of previous FEHB coverage would count toward his 5-year FEHB coverage requirement if he had a break in service and therefore could not have had FEHB as an employee.

For example:  The employee was enrolled in FEHB from 2003-2005 and then separated from Federal employment.  He returned to Federal service in 2010 and was enrolled in FEHB from 2010-2013.  The 2 years he was enrolled in FEHB from 2003-2005 along with the 3 years he was enrolled in FEHB from 2010-2013 enable him to meet the 5-year coverage requirement. 

However, if the employee had been continuously employed and eligible for FEHB, but had a break in his FEHB coverage from 2003-2009 because he cancelled his FEHB, he would have to begin the 5-year period over again. 

Control Panel

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.