Timing rules and how to avoid retiree coverage gaps

Sep 22, 2026

PEP guidance detailed when active coverage ends, when retiree coverage begins, COBRA options, and the risk of losing basic life insurance if reenrollment is late.

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Savannah explained the critical timing rules that determine whether a retiring employee experiences a break in health coverage. "Your official retirement day is the very 1st calendar day after your last working day," she said, and she emphasized that active PEP coverage runs through the last day of the month in which the member worked; retiree benefits begin on the first day of the next month if the retirement process and forms are completed on time.

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