No.You do not have to change to self and family coverage now. As an employee or annuitant, you can change to self and family coverage during any Federal Benefits Open Season or if you experience a qualifying life event. However, you should remember that in the event of your death, the only way that your family members can continue FEHB coverage is if you are currently enrolled in a self and family enrollment and at least one of your family members is eligible for a survivor annuity.
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