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Retirement FAQs

Family Benefits

  • No.  Only the children covered under the enrollment of an employee, former employee, or annuitant are eligible for TCC. If your child loses coverage under you spouse equity 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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  • Yes, if: • you were covered as a family member under the Federal employee or annuitant’s enrollment at some time during the 18 months before your divorce or annulment, and • you or your former spouse notify the employing office within the required time limit that you want TCC.
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  • You may enroll for TCC if, during the first 36 months after your marriage ended: • Your spouse equity enrollment terminates because you no longer have a qualifying court order, or • you remarry before age 55. You must submit a TCC election within 60 days from the date you lose spouse equity coverage.  The TCC coverage will end 36 months from the date your marriage ended.
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  • If you are a Federal annuitant enrolled in the FEHB Program and if you decide to cancel your FEHB enrollment, you should be aware of the consequences of canceling your FEHB enrollment including the following but not limited to:
    • You CANNOT re-enroll in the FEHB Program.
    • You and your enrolled family members will not be eligible to enroll in temporary continuation of coverage or convert to a nongroup contract; in addition, the 31-day extension of coverage does not apply to cancelled enrollments.
    • If you die, you will not have an FEHB Self and Family enrollment for your survivors to continue, even if they are eligible for a survivor annuity.
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  • The Health Insurance Marketplace does not affect the FEHB Program or your FEHB enrollment.
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  • All FEHB plans qualify as minimum essential coverage (MEC) and meet the Affordable Care Act's individual shared responsibility requirement for each individual covered under the FEHB plan.  Please visit the IRS website at www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision for more information on the individual requirement for MEC which takes effect on January 1, 2014.
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  • To change to a family health benefits enrollment, call OPM anytime from 31 days before your marriage to 60 days afterward. Otherwise, you will have to wait until the next health benefits open season to make the change. If you already have a family plan, contact the health benefits carrier to include your spouse in the coverage.
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  • If it is within 30 days of your first regular annuity payment, you may file a new election in writing. You should send the election to:
    U.S. Office of Personnel Management Retirement Operations Center Post Office Box 45 Boyers, PA 16017
    Your first regular monthly payment is the first one paid in an amount other than the estimated amount or the adjustment payment after we have computed your regular annuity amount. If you change your election to anything other than the maximum, you must obtain your spouse's consent or a waiver of the consent requirement. If it is less than 30 days from the date of your first regular monthly payment, you may cancel or reduce the survivor benefit. If it is more than 30 days from the date of your first regular monthly payment, you cannot cancel the survivor benefit. After the 30 day period has passed but less than 18 months from the beginning date of your annuity, you can change your election only under the following circumstances:
    • you may elect a survivor annuity; or
    • you can increase a reduced survivor annuity amount.
    You must request the change in writing at:
    U.S. Office of Personnel Management Retirement Operations Center Post Office Box 45 Boyers, PA 16017
    You must also pay a one-time payment representing the difference between the old and new election amounts. This one-time payment also includes a percentage of your annual benefit. The percentage is 24.5 percent of your annual benefit if you are changing from no survivor benefit to a full survivor benefit or 12.25 percent if you are changing from no survivor benefit to a partial one. Interest is also charged at the rates shown in this table. Your written election should include your claim number, the amount of your new survivor election, and your spouse's name, social security number, date of birth, and a copy of your marriage certificate
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Total Count: 68, Number of Pages: 5, Page: 5
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