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Frequently Asked Questions Retirement

Family Benefits

  • Yes, as long as your marriage ended before his/her 18-month TCC eligibility period expired.  Your TCC coverage ends 36 months after the date of his/her separation from service, not 36 months after the date your marriage ended.
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  • Yes, it’s a good idea to apply and establish your eligibility for spouse equity coverage within therequired time frame even if you currently have your own FEHB coverage.  If you lose your FEHB coverage as an employee, you can then enroll under spouse equity.
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  • Yes.  Although you must apply within the time limit, you may enroll at any time after the employing office determines that you are eligible.
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  • No.  You can enroll in any available plan or option, and you can change plans or options during the annual open season or with an event that permits an enrollment change (such as when you become eligible for Medicare).
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  • It may take up to several months for your enrollment to take effect. If you want to continue to have health insurance in the meantime:

    • You may convert to an individual contract offered by your health plan.  You may do this during the 31-day extension of coverage you obtained after losing your family member status; or

    • You may enroll under TCC provisions.

    Your spouse equity enrollment will take effect on the first day of the first pay period after the employing office receives your health benefits election form.
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  • You can keep your spouse equity coverage indefinitely if you pay your premiums on time, don’t remarry before age 55, and don’t lose your entitlement to an annuity or survivor annuity.
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  • No.  You can enroll in any available plan or option, and you can change plans or options during the annual open season or with an event that permits an enrollment change (such as when you become eligible for Medicare).
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  • Generally, your coverage continues for 36 months from the date of your divorce or annulment, as long as you pay your premiums on time.  After your TCC enrollment ends:

    • you get a 31-day extension of coverage, and

    • you may convert to an individual contract offered by your health benefits
    plan, unless you lose coverage because you canceled your enrollment or didn’t pay your premiums.
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  • No.  Only the children covered under a former employee’s TCC enrollment are eligible for TCC in their own right.
     
    When your child is no longer an eligible family member under your enrollment, he/she:

    • gets a 31-day extension of coverage, and
    • may convert to an individual contract offered by your health benefits plan,
    unless he/she loses coverage because you canceled your enrollment or didn’t pay your premiums.
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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 under a self and family enrollment.  Your unmarried dependent child must be under age 26 or be incapable of self-support because of a mental or physical disability that existed before age 26. Your children can’t be covered under more than one FEHB enrollment.  If the employee or annuitant covers the children under his/her FEHB enrollment, you should enroll for self only coverage.
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