If I die, will my spouse be able to continue insurance coverage (with or without survivor option)?
If you chose a survivor option (100% survivor, 75% survivor, 50% survivor), your survivor pension beneficiary will be able to continue insurance coverage at the same subsidy level that you had (if any). If you named your spouse as your survivor pension beneficiary, eligible dependents who were covered at the time of your death may also continue to receive coverage.
If you chose the straight life option, or you are a former Defined Contribution participant, coverage for your spouse will end upon your death. However, your spouse would have the option to apply for COBRA insurance and pay the full premium for the duration of the coverage.