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If your coverage includes any lifetime or annual dollar limits on essential health benefits, then we'll automatically change your contracts when they renew on or after September 23, 2010, so there's no action for you to take. If you have any questions, contact your broker or Kaiser Permanente representative.
But if the government pension offset applies, your Social Security spousal or survivor benefit will be reduced by two-thirds of your government pension. Let's look at Patricia Kohlen, the retired schoolteacher. The earliest a survivor can apply for a benefit is age 60, six years before full retirement. A survivor benefit is reduced by 28.5% if a widow or widower applies that early. If Kohlen had applied at 60, as she had hoped, the survivor benefit would have been reduced to $1,005, from Kenneth's monthly $1,406 benefit.