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By:  Elliott Andalman, Attorney at Law
© 2011

For many federal employees, making arrangements to maintain health insurance for a surviving spouse after the death of the annuitant is a priority. There are many choices from which the retiring employee will have to select.

The requirements to maintain spouse insurance listed in federal health care regulations vary according to the federal system under which you are retiring.

  • Under CSRS, the minimum amount you can leave a survivor in order for them to maintain their health care is one dollar ($1.00) per month.  “Survivor Benefits Elections, Court-Ordered Benefits, and Children’s Benefits,” Retirement Information and Services, Office of Personnel Management, available at http://www.opm.gov/retire/faq/post/faq2.asp
  • Under FERS, the minimum election you can make to provide your survivor health insurance after your death is 25% of your un-reduced annuity.  “Survivor Benefits Elections, Court-Ordered Benefits, and Children’s Benefits,” Retirement Information and Services, Office of Personnel Management, available at http://www.opm.gov/retire/faq/post/faq2.asp

If you are a federal employee contemplating filing or have already filed an application for a disability retirement annuity, you should consult an experienced attorney.   At Andalman & Flynn, our team of legal professionals can assist and represent your rights and increase your chances of success with your disability retirement annuity claim.

If we can be of assistance to you, please call us at 301-563-6685 or toll-free at 1-888-558-7871.  You can also visit our website at www.andalmanflynn.com and complete one of our website contact forms so we can contact you for a consultation concerning your situation.

By:  Elliot Andalman, Andalman & Flynn- reply via email at eandalman@a-f.net