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Frequently Asked Question

Can I keep health insurance while on Federal Disability Retirement?

# Back to all FAQs

Yes, the Federal Disability Retirement benefit will allow you to continue any health and life insurance benefits that you already carry through your job.

However, you are still required to pay your portion of these benefits, just like you would under regular retirement.

If you do not meet the eligibility requirements to receive Health Benefits, then OPM has a waiver that you can submit that could possibly override the time requirements, but it is not guaranteed.

Also, if you did not carry insurance through your FERS Career and were on your spouses’ insurance the entire time then you will be eligible to apply for Health Benefits through OPM under your name.

Federal Disability Retirement

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Have more questions?

Message us here and we can help.

Step 1: Share just the essentials up front, and our team will text you back shortly.

What is your preferred means of contact?
Are you a federal employee?
By submitting, you authorize Harris Federal Law Firm to text and call the number you provided with offers and other information, possibly using automated means. Message/data rates apply. Consent is not a condition of purchase. Use is subject to terms.

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What service do you need help with?
Select all that apply
Federal Disability Retirement
Federal Workers' Compensation
Social Security Disability Insurance
Veterans Affairs Disability
Other

Almost done!

Just a few more details so we can best prepare for your case.

Have you applied for Federal Disability Retirement before?

Thanks for the additional information — we're eager to discuss your case.

If you reached out during regular office hours, Monday–Friday from 8 a.m. to 5 p.m. EST, you should expect to hear from us soon. If your message came in after hours, we'll follow up as soon as we're back in the office.

Get a quick response via text.

Step 1: Share just the essentials up front, and our team will text you back shortly.

What is your preferred means of contact?
Are you a federal employee?
By submitting, you authorize Harris Federal Law Firm to text and call the number you provided with offers and other information, possibly using automated means. Message/data rates apply. Consent is not a condition of purchase. Use is subject to terms.

Step 1 complete!

We'll be with you soon. In the meantime, complete Step 2 to help us serve you better.

What service do you need help with?
Select all that apply
Federal Disability Retirement
Federal Workers' Compensation
Social Security Disability Insurance
Veterans Affairs Disability
Other

Almost done!

Just a few more details so we can best prepare for your case.

Have you applied for Federal Disability Retirement before?

Thanks for the additional information — we're eager to discuss your case.

If you reached out during regular office hours, Monday–Friday from 8 a.m. to 5 p.m. EST, you should expect to hear from us soon. If your message came in after hours, we'll follow up as soon as we're back in the office.