Benefits Authority: Your Trusted Guide to Health and Retirement Benefits

Navigating the world of health insurance and retirement plans can feel overwhelming. Whether you’re a federal employee, retiree, service provider, or someone facing a major life transition, having the right guidance makes all the difference. That’s where Benefits Authority steps in—your trusted source for understanding, claiming, and managing your benefits with clarity and confidence.

In this article, we’ll explore how Benefits Authority helps federal workers, retirees, and families secure the benefits they deserve. From healthcare coverage and COBRA assistance to retirement security and mental health parity, we’ll break down everything you need to know—clearly and confidently.

What Is Benefits Authority?

Benefits Authority is a centralized platform that provides essential information and resources on government health and insurance programs. It caters primarily to:

• Federal employees and annuitants

• Postal Service employees and families

• Agency benefits officers

• Healthcare and insurance carriers

• Employers, service providers, and policymakers

The platform simplifies complex topics like the Federal Employees Health Benefits (FEHB) Program, Federal Employees Dental and Vision Insurance Program (FEDVIP), and the new Postal Service Health Benefits (PSHB) Program, launching in 2025.

=> Explore what you're entitled to and how to get the most out of your health, dental, vision, and life insurance options.

Why Choose Benefits Authority?

Understanding your health and retirement benefits isn’t just smart—it’s essential. Benefits Authority empowers you with tools, answers, and legal protections you might not even know you have.

Key Advantages of Benefits Authority:

• Up-to-date guidance on federal benefit programs

• Legal protections under laws like the Affordable Care Act and MHPAEA

• Support for all life stages—from your first job to retirement

• Dedicated resources for special situations like job loss or disability

• Multilingual access to ensure everyone can get help

Whether you’re enrolling in coverage, filing a claim, or learning how the Retirement Security Rule affects your investments, Benefits Authority is your go-to resource.

Programs Supported by Benefits Authority

Let’s dive into the core programs Benefits Authority helps you understand and navigate.

1. Federal Employees Health Benefits (FEHB) Program

The FEHB program offers federal employees, retirees, and their families access to quality health insurance plans. Benefits Authority provides a comparison tool and enrollment guidance, ensuring informed choices.

2. Postal Service Health Benefits (PSHB) Program

Launching in 2025, this program is designed specifically for Postal Service employees and annuitants. Benefits Authority will guide you through eligibility, enrollment periods, and plan options.

3. Federal Employees Dental and Vision Insurance Program (FEDVIP)

FEDVIP offers supplemental dental and vision coverage. Benefits Authority helps users explore available plans, premiums, and provider networks.

4. Federal Long Term Care Insurance Program (FLTCIP)

For those planning for the future, FLTCIP offers long-term care coverage for daily living assistance. Benefits Authority breaks down what’s covered and how to apply.

Life Events and Your Benefits

Benefits Authority stands out for its life-event guidance. Major life changes can have major implications on your benefits. Here’s how the platform supports you:

Marriage or Domestic Partnership

• Explore new enrollment options

• Add your spouse or partner to your plan

• Understand your tax implications

Childbirth or Adoption

• Learn about Newborns’ and Mothers’ Health Protection Act

• Explore education and savings tools

Job Change or Unemployment

• Discover COBRA continuation coverage

• Explore individual marketplace or spouse’s plan options

Divorce or Separation

• Review your dependent coverage options

• Understand QDROs and retirement plan divisions

Death in the Family

• Get support for filing retirement claims

• Know what survivor benefits you or your dependents may qualify for

Retirement Planning

• Compare federal retirement plan options

• Learn how to file a retirement benefit claim

=> Use our free resources to better understand your retirement plan options, your rights, and how to claim your benefits.

Your Legal Protections Under Benefits Authority

1. Mental Health Parity and Addiction Equity Act (MHPAEA)

MHPAEA ensures that mental health and substance use disorder benefits are treated equally with physical health coverage. Benefits Authority helps you:

• Understand your right to parity

• File a claim if denied coverage

• Learn how to appeal decisions

2. Affordable Care Act (ACA)

The ACA expanded protections for individuals under group health plans. Through Benefits Authority, you can learn about:

• Dependent coverage up to age 26

• Protections for pre-existing conditions

• Preventive care at no cost

3. Retirement Security Rule

This rule ensures investment advisors act in your best interest—not theirs. Benefits Authority helps investors:

• Understand what it means to be a fiduciary

• Spot misleading or high-fee advice

• Learn how to file a complaint or seek clarification

Essential Resources from Benefits Authority

Benefits Authority offers practical tools to simplify every step of your benefits journey:

• Retirement Savings Lost and Found Portal – Reconnect with forgotten funds

• Claim Filing Guides – Step-by-step help for health, disability, and retirement claims

• Cybersecurity Tips – Learn how to protect your digital retirement accounts

• Social Media Toolkits – Raise awareness about benefits protections in your organization

How to Get Support

Need help now? Benefits Authority makes it easy to connect with experts.

• Message Us: Use the online chat for quick support

• Find an Event: Attend local and virtual sessions

• Sign Up for Updates: Stay in the know about policy changes and new benefits

Frequently Asked Questions (FAQ)

What is Benefits Authority’s main purpose?

Benefits Authority helps individuals navigate federal health, dental, vision, and retirement benefits through expert guidance and legal resources.

Who can use Benefits Authority?

Federal employees, retirees, postal workers, agency officers, and benefits carriers—all benefit from the tools and resources offered.

What is the PSHB program, and when does it start?

The Postal Service Health Benefits (PSHB) program starts in 2025 and will provide dedicated coverage for Postal Service employees and annuitants.

Can I use Benefits Authority if I’m unemployed?

Yes. Benefits Authority provides guidance on COBRA, affordable coverage options, and retirement benefits protection during unemployment.

What should I do if my mental health claim is denied?

You can learn your rights under MHPAEA, file an appeal, and contact Benefits Authority for assistance navigating the appeals process.

=> Simplify your search for health, dental, vision, and retirement coverage with tools tailored to federal employees and annuitants.

Final Thoughts:

In a world where health and retirement decisions have life-altering consequences, having the right guidance matters. Benefits Authority is more than just a resource—it’s your trusted partner for navigating life’s most important benefits decisions.

Whether you're planning for retirement, facing job loss, or enrolling in a new health plan, Benefits Authority ensures you're informed, empowered, and protected every step of the way.