10-03-2026, 12:34 AM
離開聯邦職位後的 TCC：續保費用與通知期限分開核對
TCC 是 FEHB 正常保障終止後，部分聯邦僱員及家屬可選的暫時續保。離職僱員一般最多十八個月，但因嚴重不當行為被解僱可能不合資格；可正常保留退休 FEHB 的人，不是轉用 TCC。
續保須付僱員與政府兩部分保費，再加百分之二行政費。僱員一般可在收到通知或離職後六十天內選擇，以較後者計；子女及前配偶另有通知僱主的責任和期限，不應直接套用僱員規則。
先聯絡原機構 Human Resources Office，記下終止、通知和選擇日期，索取適用表格及費用。TCC 可能追溯至免費短期延展結束後生效，因此首張帳單可含多個月；延遲處理不代表中間月份免付。保留提交及付款紀錄，並比較其他可用保障，不能只按「最多十八個月」推定自己已自動登記。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.opm.gov/healthcare-insurance/healthcare/temporary-continuation-of-coverage/
English
FEHB TCC after federal employment: check premiums and notification deadlines separately
Temporary Continuation of Coverage lets certain federal employees and family members retain FEHB after regular coverage ends. A separating employee generally has up to eighteen months, but separation for gross misconduct can disqualify them. Someone retaining ordinary retiree FEHB does not switch to TCC.
Participants pay both the employee and government shares of the premium plus a two-percent administrative charge. An employee generally elects within sixty days after the notice or separation, whichever is later. Children and former spouses have separate duties to notify the employing office; do not apply the employee rule to every family event.
Contact the former agency's Human Resources Office and record termination, notice and election dates. Request the applicable forms and costs. Coverage can be retroactive to the end of the free temporary extension, so an initial bill may include multiple months. Processing delay does not make those months free. Keep submission and payment records and compare alternatives; the maximum duration does not mean automatic enrollment.
Original publication date not established. Checked October 2, 2026. Official source: https://www.opm.gov/healthcare-insurance...-coverage/
![[Image: jobs.jpg]](https://inl3-media.pages.dev/assets/photos/jobs.jpg)
Vitaly Gariev / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/professiona...-36733328/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: U.S. Office of Personnel Management
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
TCC 是 FEHB 正常保障終止後，部分聯邦僱員及家屬可選的暫時續保。離職僱員一般最多十八個月，但因嚴重不當行為被解僱可能不合資格；可正常保留退休 FEHB 的人，不是轉用 TCC。
續保須付僱員與政府兩部分保費，再加百分之二行政費。僱員一般可在收到通知或離職後六十天內選擇，以較後者計；子女及前配偶另有通知僱主的責任和期限，不應直接套用僱員規則。
先聯絡原機構 Human Resources Office，記下終止、通知和選擇日期，索取適用表格及費用。TCC 可能追溯至免費短期延展結束後生效，因此首張帳單可含多個月；延遲處理不代表中間月份免付。保留提交及付款紀錄，並比較其他可用保障，不能只按「最多十八個月」推定自己已自動登記。
原刊日期未能確認。查閱日期：2026-10-02。官方資料：https://www.opm.gov/healthcare-insurance/healthcare/temporary-continuation-of-coverage/
English
FEHB TCC after federal employment: check premiums and notification deadlines separately
Temporary Continuation of Coverage lets certain federal employees and family members retain FEHB after regular coverage ends. A separating employee generally has up to eighteen months, but separation for gross misconduct can disqualify them. Someone retaining ordinary retiree FEHB does not switch to TCC.
Participants pay both the employee and government shares of the premium plus a two-percent administrative charge. An employee generally elects within sixty days after the notice or separation, whichever is later. Children and former spouses have separate duties to notify the employing office; do not apply the employee rule to every family event.
Contact the former agency's Human Resources Office and record termination, notice and election dates. Request the applicable forms and costs. Coverage can be retroactive to the end of the free temporary extension, so an initial bill may include multiple months. Processing delay does not make those months free. Keep submission and payment records and compare alternatives; the maximum duration does not mean automatic enrollment.
Original publication date not established. Checked October 2, 2026. Official source: https://www.opm.gov/healthcare-insurance...-coverage/
Vitaly Gariev / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/professiona...-36733328/ 授權 / Licence: https://www.pexels.com/license/
---
來源 / Source: U.S. Office of Personnel Management
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.