Answer: Elections are generally permanent and irrevocable. Premiums continue as long as there is an eligible beneficiary. Costs are suspended if a spouse is lost to death or divorce. If a subsequent spouse is acquired, coverage resumes automatically at the first anniversary unless the retiree makes a written request to decline resumption before that date. Child costs stop when the youngest child exceeds 18 years old (or 22 if unmarried, a full time student and not in the Uniformed Services).