Title: Open Season Changes and the Five Year Rule
Article Snip: "...If you have not been covered under FEHB for most of your career, but want to be able to carry it into retirement, you might be planning on enrolling in FEHB five years before the year in which you plan to retire. The coverage must be for a full five years, so you need to be aware of when your FEHB enrollment becomes effective. Many people choose to retire on December 31st, but FEHB coverage is rarely effective on that date..."
Reference: www.fedsmith.com
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