Guide Me
Retirees / Survivors
New / Prospective Employees
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
Retirees / Survivors
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. Learn More
Federal Employees
Welcome Federal employees. Here, you will find various resources to help you and your family make informative choices regarding health, dental, vision, life, long term care, and flexible spending accounts. 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
Benefits Officers
On this site, you will find resources to help you with your day-to-day activities. By clicking on of the program links below, you can find information about the Federal Employees Health Benefits (FEHB) Program, the Federal Employees Dental and Vision Insurance Program (FEDVIP), the Federal Flexible Spending Account Program (FSAFEDS), the Federal Employees' Group Life Insurance (FEGLI) Program, and the Federal Long Term Care Insurance Program (FLTCIP). Learn More
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
Can my family coverage continue if I die?
If you are enrolled in Self Plus One at the time of your death, the designated family member under the Self Plus One enrollment will continue to be covered after your death if they are eligible for a survivor annuity. If the family member designated under the Self Plus One enrollment is not eligible for a survivor annuity, the enrollment cannot continue.
If the designated family member under the Self Plus One enrollment is eligible for a survivor annuity, they may increase their coverage to cover your other eligible family members.
If you are enrolled in Self and Family at the time of your death, your eligible family members will continue to be covered after your death if at least one family member receives a survivor annuity.
The coverage ends if the survivor annuity terminates. The survivor’s share of the cost of the plan is the same amount you are paying and will be deducted from the survivor annuity payment.
You can find more information about coverage for survivor annuitants:
- in the FEHB Handbook chapter on Survivor Annuitants, and
- the FAQs on Coverage for Survivor Annuitants
Related Questions
- Am I eligible?
- Are my family members covered?
- Can I suspend my coverage?
- Can my family coverage continue if I die?
- Do my premiums or benefits change now that I’m retired?
- Does my coverage change if I go back to work as a reemployed annuitant?
- How can I find out what coverage I have?
- How do I contact the Retirement Office?
- How do I find a plan?
- How do I report a death?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m eligible for Medicare. What do I do?
- I’m not currently enrolled. When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?
Dental
Eligible employees and annuitants, and certain TRICARE eligible individuals can choose among 7 nationwide and 5 regional dental plans. Nationwide plans include international coverage.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I suspend my coverage?
- Can my family members continue coverage if I die?
- Do my premiums change now that I’m retired?
- Does my coverage change if I go back to work as a reemployed annuitant?
- How can I find out what coverage I have?
- How do I contact the Retirement Office?
- How do I enroll?
- How do I find a plan?
- How do I report a death?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m eligible for Medicare. What do I do?
- I’m not currently enrolled. When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?
Vision
Eligible employees and annuitants, and certain TRICARE eligible individuals can choose among 5 nationwide vision plans. Nationwide plans include international coverage.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I suspend my coverage?
- Can my family members continue coverage if I die?
- Do my premiums change now that I’m retired?
- Does my coverage change if I go back to work as a reemployed annuitant?
- How can I find out what coverage I have?
- How do I contact the Retirement Office?
- How do I enroll?
- How do I find a plan?
- How do I report a death?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m eligible for Medicare. What do I do?
- I’m not currently enrolled. When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?
Life
We offer the largest group life insurance program in the world, covering employees, retirees and family members.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I suspend my coverage?
- Can my family continue coverage if I die?
- Do my premiums change now that I’m retired?
- Does my coverage change if I go back to work as a reemployed annuitant?
- How can I find out what coverage I have?
- How do I contact the Retirement Office?
- How do I enroll?
- How do I find a plan?
- How do I report a death?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m eligible for Medicare. What do I do?
- I’m not currently enrolled. When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is the next Open Season?
Flexible Spending Accounts
Eligible employees can choose to enroll in up to three different flexible spending accounts during Open Season.
Choose your question:
- Am I eligible?
- Are my family members covered?
- Can I suspend my coverage?
- Can my family continue coverage if I die?
- Do my premiums or benefits change now that I’m retired?
- Does my coverage change if I go back to work as a reemployed annuitant?
- How can I find out what coverage I have?
- How do I contact the retirement office?
- How do I enroll?
- How do I find a plan?
- How do I report a death?
- I’m eligible for Medicare. What do I do?
- I’m not currently enrolled. When can I enroll?
- My claim wasn’t paid the way I thought it should have been. What can I do?
- What benefits are available to me?
- What if my question isn’t here?
- When can and how I make changes to my coverage
Long Term Care
Applications for coverage under the Federal Long Term Care Insurance Program were suspended December 19, 2022. This was done to allow OPM and the FLTCIP carrier, John Hancock Life & Health Insurance Company, the time to assess the benefit offerings and establish sustainable premium rates that reasonably and equitably reflect the cost of the benefits provided.
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:
- Am I eligible?
- Are my family members covered?
- Can I suspend my coverage?
- Can my family continue coverage if I die?
- Do my premiums change now that I’m retired?
- Does my coverage change if I go back to work as a reemployed annuitant?
- How can I find a plan?
- How can I find out what coverage I have?
- How do I contact the Retirement Office?
- How do I enroll?
- How do I report a death?
- I don’t agree with the way the plan paid my claim. What can I do?
- I’m eligible for Medicare. What do I do?
- I’m not currently enrolled. How do I enroll? When can I enroll?
- What benefits are available?
- What if my question isn’t here?
- When and how can I make changes to my coverage?
- When is Open Season?