Can I continue health insurance coverage if my spouse dies while employed?

It depends.  The following applies:

If the employee had a Self and Family enrollment at the date of death and a survivor annuity is payable, the surviving spouse can continue health insurance coverage.

  • The enrollment must be immediate, and there can be no lapse in coverage.
  • The premiums will be deducted from the survivor annuity.

If the employee had a Self and Family enrollment at the date of death, but no survivor annuity is payable--these survivors are not eligible for Temporary Continuation of Coverage.

  • The enrollment in Temporary Continuation of Coverage will terminate within 30 days.
  • The survivor has the right to convert to an individual policy within 30 days.

If the employee had a Self Only enrollment at the date of death, the enrollment terminates at death with no right to enroll or convert for the survivor.

What was the best thing about this page?
What was the worst thing about this page?
Do not include personally identifiable information (PII). Please review our privacy policy.

Can we make this page better?

Let us know if you can't find the information you need, have a suggestion for improving this page, or found an error.

If your question requires an immediate response, please use the Contact Us form.

Do not include personally identifiable information (PII). Please review our privacy policy.