How Do You Keep FEHB in Retirement?

In today's episode of the Critical Concepts series, Christian dives into the essential steps every federal employee needs to take to keep their FEHB health insurance into retirement. Whether you're years away or approaching your retirement date, it's crucial to understand the rules for retaining this key benefit.
Learn how to ensure FEHB eligibility, including meeting the immediate retirement requirements, maintaining coverage for the last five years of service, and documenting your health insurance history to avoid common application mistakes. Christian also explains how FEHB coordinates with Medicare, how to protect your spouse's coverage, and what happens if you need to postpone retirement.
Take advantage of these critical insights to safeguard your health insurance in retirement. Tune in for expert advice and ensure a smooth transition into retirement.
If you have any questions or need personalized advice, schedule a call with one of our financial advisors here: zurl.co/Njnh
Happy Planning!

[@seank2125]

Thanks for the great info! So if a fed leaves government for the private sector having been enrolled in FEHB for the full time of service and greater than 5 years, then works in the private sector for a number of years, say 10, then after these 10 years meets eligibility for full retirement benefits/pension from the federal government, it sounds like eligibility rules for keeping FEHB in retirement would be met. Is this correct?

[@colinmaroney2903]

Hi, question about the 62 retirement 10% bonus for FERS, do you have to wait until your 62nd birthday or can it be the year you turn 62? I am facing a situation where work has gotten very toxic, I am concerned about my health. I turn 61 in November but I am not sure I can make it another year like this. Next year (2025), in November, I turn 62. Will I still get the 10% if I decide to retire in March 2025, 8 months before my birthday?

[@planyourfederalretirement]

No, you must retire on or after age 62 to receive the extra 10% increase in the pension (assuming you have at least 20 years of service).