When Coverage Ends

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Beginnings and beyond: resources and information for employees of the Board of Governors of the Federal Reserve System

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Explore
•	Health Insurance Home
•	How the FEHB Program Works
•	Health Care Stipend
•	Who Is Eligible
•	Enrolling in the Plan
•	Choosing an FEHB Plan
•	Coordination of Benefits
•	Coverage Cost
•	When Coverage Ends
•	Continuing Your Coverage
•	Filing Claims

Your Health Insurance

When Coverage Ends

Your coverage ends on the earliest
of the following:

The last day of the pay period in which your Board employment ends, unless special circumstances allow you to continue your coverage;
The last day of the pay period in which you become ineligible for coverage because of a change in your employment status;
The last day of the pay period that includes your 365th day of continuous nonpay status;
The day you die; or
The day the FEHB Program ends.

Your coverage will continue for 31 days after your enrollment ends for any reason (except voluntary cancellation) in order to give you the opportunity to convert to an individual (nongroup) health insurance policy.

Your dependent's coverage ends on the earliest
of the following:

The date your coverage ends; or
31 days after the date your dependent no longer qualifies for coverage.

The chart below shows what happens
to your coverage under certain situations.

Screen reader version of following chart

IF YOU...	THEN...	AND...
are confined in a hospital on the 31st day after your coverage ends	the benefits under your FEHB plan will continue for up to 60 more days of continuous confinement	this temporary extension of coverage will be provided at no cost to you (and also will apply to your family members who lose coverage for any reason except your voluntary cancellation)
transfer employment to another federal agency without a break in service of more than three calendar days	your FEHB enrollment will transfer automatically	you will continue to pay your share of the premium
are on an approved leave of absence without pay	your coverage will continue for up to 12 months	you will continue to pay your share of the premium during this period

If you and your spouse divorce, the Civil Service Retirement Spouse Equity Act entitles certain covered spouses to continue coverage. To be eligible, you or your spouse must notify the Management Division when your marriage dissolves.

If you lose coverage under the FEHB Program, you should automatically receive a Certificate of Group Health Plan Coverage from the last FEHB plan to cover you. If not, the Plan must give you one, at your request. You may need this certificate to qualify for benefits if you join a non-FEHB plan.