My wife had me carry Retiree and Family on insurance when I retired. When she got a job teaching we left it as-is since it was affordable. Well, when TRS jacked my premium up $500 a month (unannounced of course) she couldn't start insurance at her school mid-year so we sucked it up and paid the premium. This past month she took out her own insurance through her school and I was able to go to Retiree and Children (saving nearly $600 a month). Well, they took it out in my October check and then told me they could reimburse me in 2 to 4 weeks. Tell that to the folks that I write bills to. Their fault, it should have been in my account immediately.