Retirement
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No, retiree pay premiums on a post tax basis.
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No, your FEDVIP enrollment will not count towards the 5-year enrollment requirement for carrying FEHB coverage into retirement.
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No.
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If you are on a deferred retirement annuity, you are not eligible for FEDVIP.
If you are retiring with title to an MRA+10 annuity and you postpone receiving your annuity, you are eligible for FEDVIP only when you begin to receive that annuity. You would not be eligible for FEDVIP during the time between your separation from duty and before actual receipt of your annuity.
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You should examine your Medicare coverage in order to determine if the Federal Employees Dental and Vision Insurance Program (FEDVIP) will benefit you or your family. Your FEDVIP premiums will not change if you enroll in Medicare.
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No, you are not required to contact BENEFEDS. However, you can speed up the process by contacting BENEFEDS.
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No. The Federal Employees Dental and Vision Insurance Program (FEDVIP) coverage is the same for all enrollees.
However, if you go back to work and you are in a position that conveys FEDVIP eligibility, you must contact BENEFEDS (1-877-888-3337), if you want your premiums to be deducted from your paychecks. Most reemployed annuitants want to make that change because retirees pay FEDVIP premiums with post-tax dollars and employees pay FEDVIP premiums with pre-tax dollars. If your new position does not convey FEDVIP eligibility you may retain the coverage as an annuitant.
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No, FEDVIP benefits and premiums do not change because you retire. Since many employees are paid biweekly and use pre-tax premiums, their retirement premiums will appear higher because these premiums are being withheld monthly, not biweekly, and because these premiums are paid post-tax. Pre-tax premiums are not available to annuitants, survivor annuitants or compensationers.
Please visit
dental premiums or
vision premiums for more information.
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You may contact OPM's Retirement Office by phone at 1 (888) 767-6738 or by e-mail at
retire@opm.gov.
The phone lines are open Monday through Friday 7:30am to 7:45pm eastern time. If you have difficulty getting through, try to call early in the morning or late in the evening when the lines are less busy.
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If a covered family member dies while you are enrolled in a FEDVIP dental plan or a FEDVIP vision plan, contact BENEFEDS at
www.BENEFEDS.com. Those without access to a computer can contact BENEFEDS by phone at 1-877-888-FEDS (3337), TTY 1-877-889-5680.
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Federal civilian annuitants are eligible to enroll in dental and vision insurance under FEDVIP. If enrolled, employees automatically carry FEDVIP coverage into retirement if they retired on an immediate annuity under the Civil Service Retirement System (CSRS), the Federal Employees Retirement System (FERS) or another retirement system for employees of the Federal government. Individuals who retire for disability under CSRS, FERS, or another retirement system for employees of the Federal government are also eligible. Federal Civilian Annuitants do not have to be eligible for FEHB coverage. There is no "five year rule" for continuing coverage into retirement like there is in the FEHB health insurance program and the FEGLI life insurance program.
For more information on FEDVIP eligibility, please see the
BENEFEDS website.
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Yes. Your FEDVIP coverage automatically continues when you retire if you are enrolled as an employee. There is no 5-year requirement for continuing FEDVIP into retirement. To be eligible for FEDVIP as a retiree, you must have retired with an immediate annuity (note: a FERS Minimum Retirement Age plus 10 annuity, postponed, counts as an immediate annuity). You can enroll in a FEDVIP dental plan and/or a FEDVIP vision plan for the first time as a retiree, even if you were never enrolled as an employee, as long as you have an immediate annuity.
Those in receipt of a deferred annuity are not eligible to enroll in FEDVIP. Please review Section 1 - Eligibility (Federal Annuitants) of any
Dental or
Vision plan brochure.
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To review your enrollment details under the Federal Dental and Vision Insurance Program (FEDVIP) (including the plan and enrollment type you have now), log on to your account at
www.BENEFEDS.com. Those without access to a computer can contact BENEFEDS by phone at 1-877-888-FEDS (3337), TTY 1-877-889-5680.
If you are enrolled in the Federal Employees Health Benefits (FEHB) Program, your health insurance enrollment may cover some dental and vision services. To find out, review your
health plan brochure or contact your plan directly.
To find out the specific details of coverage under your dental plan or vision plan, review your plan brochure (
dental or
vision) or contact your plan directly.
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No, there is no five-year rule with FEDVIP.
You are eligible for FEDVIP as an annuitant if you:
- Retired on an immediate annuity under the Civil Service Retirement System (CSRS), the Federal Employees Retirement System (FERS) or another retirement system for employees of the Federal Government; or
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Retired for disability under CSRS, FERS, or another retirement system for employees of the Federal Government.
If you meet either requirement above, you can continue your FEDVIP into retirement. Unlike with FEHB health insurance and FEGLI life insurance, you can enroll in FEDVIP for the very first time after you have retired as long as you meet either requirement above.
For more information, see the
FEDVIP eligibility page.
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Enroll as an employee during Open Season. BENEFEDS, which handles all FEDVIP enrollment and premium administration functions, will work closely with agency payroll offices and retirement systems to "find" FEDVIP enrollees who retire on an immediate annuity and deduct the FEDVIP premiums from their annuity payments. It may take a few annuity cycles for this to occur. After the first successful deduction from your annuity, BENEFEDS will adjust your deduction to "catch up" for the payments that were missed during the transition. You'll receive a letter from BENEFEDS informing you of the amount of the adjusted deduction.
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Total Count: 19, Number of Pages: 2, Page: 1