Q&A

What is FEHB PTAX?

What is FEHB PTAX?

The Federal Employees Health Benefits (FEHB) Program is a system of “managed competition” through which employee health benefits are provided to civilian government employees and annuitants of the United States government.

What is the difference between self plus one and self and family?

How is Self Plus One different from Self Only or Self and Family? A Self Only enrollment covers only the enrollee. A Self and Family enrollment covers the enrollee and all eligible family members. The new Self Plus One enrollment type covers the enrollee and one eligible family member you designate to be covered.

How do I add my spouse to FEHB?

If you already have a Self and Family enrollment, log into your BENEFEDS account at www.BENEFEDS.com (external link) and add your new spouse to your enrollment.

Is employee plus one considered family?

Employee-plus-one coverage Health insurance that covers the employee plus one family member at a lower premium level than family coverage. This family member could be a spouse or a child.

Why is self plus one more expensive than self plus family?

The remaining amount is the enrollee share (how much the enrollee must pay). In some cases, such as plans with a premium cost that is above the program average, this calculation may result in a higher enrollee share for a Self Plus One enrollment than a Self and Family enrollment.

Can I add my spouse to my FEHB after I retire?

As long as you are enrolled in either the Self Plus One or Self and Family option, your spouse is automatically eligible to continue that coverage when you retire, even if he or she has only been covered for one day. The five-year rule doesn’t apply to a covered spouse.

What insurance do federal employees have?

Federal Employee Health Insurance The Federal Employees Health Benefits (FEHB) program is designed to help protect federal employees and eligible family members from the expenses of illness and accident. Through FEHB, federal employees can get comprehensive health insurance coverage.

Is the spouse of a federal employee eligible for FEHB?

What follows does not apply to those readers who are married to another federal employee. A federal employee who is enrolled (and has been enrolled for the five years immediately preceding retirement) is entitled to FEHB in their own right after retirement.

What kind of benefits can a spouse get as an employee?

Your spouse/employee can receive any benefits given to other employees, including employer-provided life insurance. Premium costs up to $50,000 of group term life insurance are not taxable to employees and are deductible as a business expense. 7  What Are the Drawbacks of Treating My Spouse as an Employee?

What happens to your federal employee benefits in divorce?

Former spouses of federal employees or retirees may not continue to receive FEHB coverage under the employee or retiree’s enrollment after divorce. OPM will not honor a court order requiring it to provide FEHB coverage to a former spouse, because federal law preempts state law in matters relating to the nature and extent of coverage or benefits.

Are there survivor benefits for former federal employees?

If a former employee who dies with at least 10 years of creditable service (5 years of which must be creditable civilian service) is survived by a spouse who was married to the deceased at the time of his/her separation from Federal civilian service AND who: the spouse may be eligible for a monthly survivor benefit.

Are there benefits for former spouses of federal employees?

“divorce” includes certain annulments. The Civil Service Retirement Spouse Equity Act of 1984 (Public Law 98-615) was enacted on November 8, 1984. Under this act, as amended, certain former spouses of Federal employees, former employees, and annuitants may qualify to enroll in a health benefits plan under the FEHB Program.

What follows does not apply to those readers who are married to another federal employee. A federal employee who is enrolled (and has been enrolled for the five years immediately preceding retirement) is entitled to FEHB in their own right after retirement.

Former spouses of federal employees or retirees may not continue to receive FEHB coverage under the employee or retiree’s enrollment after divorce. OPM will not honor a court order requiring it to provide FEHB coverage to a former spouse, because federal law preempts state law in matters relating to the nature and extent of coverage or benefits.

What are the survivor benefits for federal employees?

Monthly Survivor Benefit is Payable To the Current Spouse if. the employee who died completed at least 10 years of creditable service (18 months of which must be creditable civilian service), the employee who died was covered by the Federal Employees Retirement System (FERS) when he/she died, and