Can I continue to carry my government life and health insurance?

ANSWER: Yes. You can continue to carry the same group health insurance that you carried on your last day of employment with the government if: (1) you retire on an immediate annuity, and either (2) you were covered for the five years of government service directly before going onto disability retirement, or (3) if you were covered for less than that five years, you obtained your coverage at the first opportunity you could do so after entering government service. Thereafter, should you for any reason lose your disability retirement, you cannot continue to carry the group policy but are required, if you wish to keep the insurance, to carry the non-group conversion policy then available. An exception: if your disability retirement annuity is later reinstated, you can have the group policy reinstated. Of course, the group policy is always better than the private policy.

As to life insurance, you can continue to carry the same amount of basic life insurance coverage (or less, but not more) than you carried on your last day of federal employment, under rules somewhat similar to those noted above for health insurance.

Special elections and conditions may apply in different circumstances as to both types of insurance, and you should not proceed without careful inquiry. As well, be sure to take the actions within the time limits required to preserve these valuable rights to coverage.

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