Click here to skip navigation
This website uses features which update page content based on user actions. If you are using assistive technology to view web content, please ensure your settings allow for the page content to update after initial load (this is sometimes called "forms mode"). Additionally, if you are using assistive technology and would like to be notified of items via alert boxes, please follow this link to enable alert boxes for your session profile.
An official website of the United States Government.

Frequently Asked Questions Retirement

Family Benefits

  • The IRS is responsible for the changes to the Federal income tax withholding tables. The Office of Personnel Management (OPM) has no control over the Federal income tax withholding tables. OPM used the tables provided by the IRS, which are set in law by the United States Congress.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • If you get married after retirement, you can elect a reduced annuity to provide a survivor annuity for your spouse. You must make this election within two years of the date of your marriage. Under the Civil Service Retirement System (CSRS), you can elect any portion of your annuity as a basis for the survivor benefit payable in the event of your death. Under the Federal Employees Retirement System (FERS), a full benefit is 50 percent of your unreduced annual basic annuity and a partial benefit is 25 percent of your unreduced annual basic annuity. If you remarry the same person to whom you were married at retirement, you cannot elect a survivor annuity greater than the one you elected at retirement. There will be two reductions in your annuity if you elect to provide the survivor benefit. One will be the reduction to provide the survivor benefit. The first reduction depends the amount you elect for the survivor annuity. Your annuity is also reduced by a permanent actuarial reduction equal to the difference between the new annuity rate with the survivor benefit and the old one without the survivor benefit since your retirement, plus 6 percent interest. In most cases, the actuarial reduction amount is less than 5 percent of your annuity. The actuarial reduction continues even if the marriage ends. When you contact us, we will send you a statement describing the cost of the election and ask you to confirm your election.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • A court order following annulment of marriage, legal separation, or divorce can divide or apportion your annuity. The order must expressly direct OPM to pay a portion of your monthly benefit. The spouse's share must be stated as a fixed amount, a percentage or fraction of your annuity, or by a formula with a readily apparent value. The amount cannot exceed the money payable to you after deductions for taxes and insurance. A court order may provide for payment of all or part of a refund of your retirement contributions. It may also block the refund payment, but only if the order directs us not to pay the refund and grants a survivor annuity or a portion of your annuity to a legally separated current spouse or former spouse.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Under the Civil Service Retirement System (CSRS) Offset program, a survivor annuity for your spouse is computed in the same manner as a survivor annuity would be computed based on full CSRS coverage. However, under CSRS-Offset, your spouse's annuity may be reduced if he or she is eligible for social security benefits based on your federal service. If he or she is not eligible for social security benefits, the civil service annuity is not reduced. See additional information about death benefits.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • You should call us at (202) 606-0222. If we do not have a court order for child support, alimony, or bankruptcy, you can send a facsimile to us at (202) 606-7958 when a garnishment is involved. We need a certified copy of the court order and other supporting documents when an apportionment or survivor annuity is involved.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Your family enrollment covers yourself, your current husband or wife, and your eligible unmarried children under age 22.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Yes, but not under your family enrollment. There are two possible options for your former spouse to remain enrolled. First, all former spouses are eligible for a Temporary Continuation of Coverage enrollment that lasts for 36 months. Second, former spouses eligible for a monthly court-ordered benefit (either a portion of your monthly benefit, or a survivor benefit upon your death) are eligible for former spouse Federal health insurance. You may wish to review the health benefits information in the Attorney's Handbook or view additional information about Health Insurance.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • Survivor benefit elections for current and/or former spouses can be made only at retirement, or based on a qualifying event after retirement. The applications for retirement provide detailed information and instructions about these elections. If the marriage terminates after retirement, you must contact us and tell us that they want to elect to provide a survivor benefit for a former spouse. We will send the necessary explanation and forms to elect the benefit if you are eligible to make the election.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • If you retire under the Civil Service Retirement System (CSRS), the maximum survivor benefit payable is 55 percent of your unreduced annual benefit. If you retire under the Federal Employees Retirement System (FERS), the maximum survivor benefit payable is 50 percent of your unreduced annual benefit.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.
  • You may make one of the following elections regarding a benefit to be paid to your spouse in the event of your death:
    • no survivor benefit;
    • partially reduced annuity; or
    • a fully reduced annuity.
    These elections may provide the following benefits:
    • no survivor benefit;
    • a full or partial annuity for a spouse;
    • a full or partial annuity for a former spouse; or
    • a combination of the two.
    Things to consider when making the election include:
    • your spouse's future retirement benefits based on his or her own employment;
    • other sources of income;
    • whether the other sources of income are protected against inflation with Cost-of-Living Adjustments; and
    • your spouse's need for continued coverage under the Federal Employees Health Benefit Program.
    There is an opportunity to increase survivor benefits within 18 months after the annuity begins. However, this election may be more expensive than one made at retirement.
    How well did this answer your question? Submit
    Submitting rating...
    Thank you for your feedback!
    An error occurred while trying to submit your feedback.
    Please try again later.

Unexpected Error

There was an unexpected error when performing your action.

Your error has been logged and the appropriate people notified. You may close this message and try your command again, perhaps after refreshing the page. If you continue to experience issues, please notify the site administrator.

Working...