How to obtain TCC if you are a separating employee
If you lose your FEHB coverage because you
leave your Federal job, you are eligible for TCC
unless your separation is involuntary due to gross
misconduct. Otherwise, the reasons for your
separation don't matter.
Your Human Resources Office must notify you
within 61 days after your regular FEHB enrollment
terminates of your opportunity to enroll
under TCC (temporary continuation of coverage).
Generally, you have 60 days after getting
the notice or 60 days after separation, whichever
is later, to enroll under TCC.
It's a good idea to ask your agency to give you
your TCC information on the day you separate.
TCC enrollments - and premiums - always
begin on the 32nd day after your regular
coverage ends (which happens on the last day
of the pay period in which you separate). The
earlier you submit your enrollment form, the
earlier your agency can process it, and the less
likely it will be for you to receive a large bill for
retroactive TCC coverage.
However, if you retire and you are eligible to
continue your regular FEHB coverage as a
retiree, you aren't eligible for TCC because your
regular FEHB coverage doesn't stop. If you are
retiring and you aren't sure whether you are
eligible to continue regular FEHB coverage as
a retiree, ask your employing office.