For your surviving family members to continue your FEHB benefits enrollment after your death, both the following requirements must be met:
• You must have been enrolled for self and family or self plus one at the time of your death; and
• At least one family member must be entitled to survivor benefits from the retirement system or compensation under workers’ compensation.
Premiums are normally deducted from survivor annuity benefits or injury compensation. If the survivor benefit is not large enough to cover the enrollee’s share of the premium, the survivors may either change to a lower-cost plan/option or choose to pay the premium directly to OPM. OPM will notify your surviving spouse of his/her options and take whatever actions are requested. If there is no survivor benefit payable, the enrollment will terminate with the survivors having the right to convert to a private policy within 30 days.
If your surviving spouse will not receive a survivor annuity because you have a former spouse who is entitled to 100 percent of the survivor annuity based on a court order, your surviving spouse is still eligible to continue FEHB coverage. OPM will notify your surviving spouse of his/her options and take whatever actions are requested.
The survivor share of the premium is the same as for employees. However, if the survivors receive survivor benefits from the retirement system, the premium is deducted on a monthly basis. If he/she receives workers’ compensation survivor benefits, the premium is deducted every four weeks.