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U.S. Office of Personnel Management

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Insurance FAQs Dental & Vision

Retirement

I am not enrolled in FEHB. If I stay enrolled in a FEDVIP plan for the next five years, can I then get FEHB coverage in retirement? View more

No, your FEDVIP enrollment will not count towards the 5-year enrollment requirement for carrying FEHB coverage into retirement.
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Will my deduction continue to be pre-tax after I retire? View more

No, retiree pay premiums on a post tax basis.
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Are retirees receiving a deferred annuity eligible? View more

No.
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If I accept a deferred retirement annuity at age 62, would I then be eligible for FEDVIP? What about MRA+10 retirees? View more

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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I'm eligible for Medicare. What do I do? View more

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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Does my coverage change if I go back to work as a reemployed annuitant? View more

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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Will employees be responsible for contacting BENEFEDS and letting them know they have retired and FEDVIP premiums need to come out of their annuity payment instead of billing the agency they just retired from? View more

No, you are not required to contact BENEFEDS. However, you can speed up the process by contacting BENEFEDS.
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Do retirees pay higher dental and vision premiums than employees? View more

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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How do I report a death? [FEDVIP Dental and Vision Insurance] View more

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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How do I contact my Retirement office? View more

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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Can a retiree apply for dental or vision insurance under the Federal Employees Dental and Vision Insurance Program (FEDVIP)? View more

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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I am an annuitant. Do I have dental insurance coverage? Do I have vision insurance coverage? View more

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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Can I continue my FEDVIP dental and/or vision coverage into retirement? View more

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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I want to enroll in a FEDVIP plan during Open Season. I know my benefits will begin on January 1 and my premium deductions will begin on the first pay period that begins on or after January 1. But I will be retiring after Open Season and before the first premium deduction. Should I enroll during Open Season as an employee or an annuitant? View more

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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Do I need to be enrolled in FEDVIP five years before I retire to continue enrollment into retirement? View more
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
- 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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