Do Federal Workers keep FEHB Health INSURANCE if fired in a RIF (Reduction in Force, VERA, DSR)

Yes, federal employees who are fired as a result of a Reduction in Force (RIF) generally can keep their Federal Employees Health Benefits (FEHB) coverage for a limited time through Temporary Continuation of Coverage (TCC).

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FEHB Continues Temporarily: If you're separated due to a RIF (and not for gross misconduct), your FEHB coverage continues for 31 days after your separation at no cost.

Temporary Continuation of Coverage (TCC): After the initial 31 days, you can elect to continue your FEHB coverage for up to 18 months through TCC.

You Pay Full Cost: Under TCC, you are responsible for paying the full premium, which includes both the employee and the government's share, plus a 2% administrative fee. This can be significantly more expensive than your previous premiums as an active employee.

How to Elect TCC: Your human resources office will notify you of your TCC rights. You generally have 60 days from the date of separation or the date of the notice (whichever is later) to elect TCC.

Other Options: Losing FEHB coverage makes you eligible for a special enrollment period to obtain coverage through the Health Insurance Marketplace. You may also be able to join a spouse's or parent's health plan.

Disclaimer: This information is for informational purposes only and not legal advice. Consult with an HR professional or legal counsel for advice specific to your situation.