PO: I was under the impression that if you elected out of FEHB benefits, then you are out of the system. I am no expert (and I understand how John could pick up Jane as his wife under his FEHB) but it seems to me that if John left government before retirement and was not eligible for FEHB benefits, then his wife will have lost her rights to benefits as well. I hope you get a better answer than mine but that's how I understand the system.
FS
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