u/motor-rola

My wife and I are both federal employees. I had a question regarding if I need to activate the survivor annuity at retirement so my wife will be eligible for FEHB, if I pass away before her. Currently I am the primary policyholder and will probably continue that way for the foreseeable future. If I meet all the requirements to qualify for FEHB into retirement (5 year rule/immediate annuity) and my wife is eligible since she was covered under my plan, does the fact that she will retire as a federal employee negate the requirement for me to elect the survivor annuity? Just wondering since it would be nice to have that extra cash but not at the expense of her losing health insurance.