Federal Employees News Digest

Federal Benefits Q&A

Question: I am asking this question for a coworker who is a single mom. She would like to know what would happen to her two daughters if she were to die before or after retirement and they are either in high school or college. Would the two daughters be entitled to any of her federal pension? Could she list them as an "insurable interest" on her retirement paperwork? Would they be able to keep their FEHB until they are 26 or will they lose their health care coverage because they are not getting a civil service annuity? Unfortunately I think I already know this answer, but I wanted to check.

Answer: If your co-worker were to die before or after she retires from federal service, her daughters would be eligible to receive children survivor benefits and FEHB benefits until age 18 or until age 22 (if they are full time college students between ages 18 and 22). They could be the beneficiaries of their mother's TSP and FEGLI life insurance.

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