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An official website of the United States Government.

Frequently Asked Questions Retirement

I worked for the Government before I came under a retirement plan. I made payments to OPM so I could get retirement credit for that time. If I change retirement plans under FERCCA, what happens to those payments?

It is possible that because of a retirement coverage error, you paid either too much or too little for service you performed before you had retirement coverage.

Under FERCCA, if you paid too much, you can receive a refund, plus interest, of any money that you paid over the amount needed to pay for the service.

Also, if you now owe more for service you performed before you had retirement coverage, you can get credit for that service by taking an actuarial reduction instead of having to pay additional money. If you die before retiring, we will apply the actuarial reduction to your survivor's benefit.

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