Tried for MONTHS waiting to get my wife health ins...

Tried for MONTHS waiting to get my wife health insurance and then when she does get it they charge me for all those months we didn't have coverage !! No one answers our calls or returns calls then they shut my retirement off !! And the woman says when I asked how can you do this ? She says we are the federal government we can do whatever we want to and hung up !! Last I heard from ANYONE in OPM !! And I haven't been paid in two months now !!!