*** New Website Look and Content changes coming March 28th ***



Skip navigation links
CHR Home
Employment
Benefits
Compensation
Training & Development
Executive Management
HR Offices
Programs & Services
Skip navigation links
eSeminar
Health Insurance
New Employees
Eligible Family Members
Cancellation of Enrollment
Election Opportunities
Coverage After Retirement
Coverage After Separation
Non-Pay Status
Active Military Duty
Coverage for a Former Spouse
Temporary Coverage for a Child
Court Orders
Patient Protection and Affordable Care Act
Life Insurance
Dental & Vision Insurance
Flexible Spending Accounts
Long Term Care Insurance

 FEHB CONTINUATION OF COVERAGE FOR A FORMER SPOUSE

A former spouse cannot continue to be covered under a Federal employee's FEHB enrollment after the marriage to the employee terminates. The FEHB program provides two ways for a former spouse to elect coverage: Temporary Continuation of Coverage (TCC) and/or the Spouse Equity Act.

TCC. A former spouse who has been covered as a family member at some time during the 18 months before the marriage ends may elect to continue health insurance under FEHB for up to 36 months. The individual will be required to pay both the employee and Government shares of the premiums, plus a 2 percent charge for administrative expenses.

Spouse Equity. A former spouse is eligible to enroll in FEHB under Spouse Equity provisions if:

  • The individual is divorced from a Federal employee, retiree, or former Central Intelligence Agency or Foreign Service employee during his or her employment or receipt of annuity;
  • The individual was covered as a family member under an FEHB enrollment at least 1 day during the 18 months before the marriage ended. (Note: This requirement is also met when both the former spouse and the Federal employee or retiree have FEHB enrollments.);
  • The individual is entitled to a portion of the Federal employee's annuity or to a former spouse survivor annuity; and
  • The former spouse has not remarried before age 55.

 ACTION REQUIRED TO CONTINUE COVERAGE FOR A FORMER SPOUSE UNDER TCC

  1. The former spouse should contact the Benefits Line for counseling.
  2. The Civilian Benefits Center will send the former spouse a notice of eligibility to elect TCC.
  3. The former spouse must:

    1. Complete and sign an SF 2809 Employee Health Benefits Registration Form. Write "TCC" at the top of the form.
    2. Mail the original SF 2809 (no copies are necessary) with a certified copy of the divorce decree to the Civilian Benefits Center within 60 days of the date of divorce or annulment (or date of the Civilian Benefit Center eligibility notice). Do not send a premium payment with the registration form.
  4. The Civilian Benefits Center will forward the registration form to the National Finance Center.
  5. The National Finance Center will contact the former spouse regarding the payment of premiums.
  6. The former spouse will mail the premiums to the National Finance Center.

 ACTION REQUIRED TO CONTINUE COVERAGE FOR A FORMER SPOUSE UNDER THE SPOUSE EQUITY ACT

  1. The former spouse should contact the Benefits Line for counseling.
  2. The former spouse must send a written request to the Office of Personnel Management (OPM) for a determination of entitlement to either:
    • A portion of the employee's future retirement annuity; or
    • A former spouse survivor annuity.
  3. The request must include:
    • A certified copy (not a photocopy of a certified copy) of the divorce decree, property settlement, and/or court order (if applicable).
    • The employee's name, date of birth, Social Security number, and last employing agency.
  4. If OPM approves the request, the former spouse must:
  5. The Civilian Benefits Center will forward the SF 2809 to the National Finance Center.
  6. The National Finance Center will contact the former spouse regarding the payment of premiums.
  7. The former spouse will mail the premiums to the National Finance Center.
Emergency Preparedness
Key Strategic Documents
Website Accessibility/Section 508
Privacy Notice Terms of Use Contact Us
614 Sicard Street SE, Suite 100, Washington, DC 20374-5072
This is an official U.S. Navy website
FOIA NAVY.mil
No FEAR Act Navy IG
EEO USA.gov