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Retirement FAQs

Retire in One Year

  • Your Official Personnel Folder should contain a record of all of your health benefits registration forms, Standard Form 2809, and, if appropriate, Standard Form 2810, Notice of Change in Health Benefits. Be sure that when you retire, your records will show a complete history of your health insurance enrollment for the last five years.
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  • See information here about cost-of-living adjustments. Then, check with your local personnel service center for an explanation about how the cost-of-living increases apply to those retiring under the Civil Service Retirement System (CSRS) or the Federal Employees Retirement System (FERS). They can provide personalized assistance and they have your employment records.
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  • Your personnel officer will review the election opportunities to provide benefits after your death to your husband or wife, ex-spouse, or another person you designate as having an insurable interest in your continuing life.  If you do not provide for a monthly benefit after your death, your survivor will not be able to continue coverage under the Federal Employees Health Benefits (FEHB) program.  The advisor will also cover the requirements that each survivor must meet to qualify. When making an election to provide a benefit after your death, you must obtain your husband's or wife's written consent to provide less than the maximum benefit allowed. To designate an insurable interest, you must have a physical examination at your own expense. You local personnel service center is the best place to begin. They can provide personalized assistance and they have your employment records.
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  • You should review your designation of beneficiary for the lump sum payment of retirement contributions when no one is eligible for monthly payments. This designation is made on a Standard Form 2808 for the Civil Service Retirement System (CSRS) or a Standard Form 3102 for the Federal Employees Retirement System (FERS). Make sure the form shows the person or people you want designated. If a copy is not available to review, you may wish to file a new designation. If you transferred to FERS, any prior designation you made for CSRS coverage is canceled. You may wish to file a FERS designation. If you were automatically transferred to FERS coverage from CSRS, your designation will remain in force. If there is no designation of beneficiary, benefits will be paid in the following order:
    1. Your widow or widower.
    2. Your children in equal shares.
    3. Your parents in equal shares.
    4. Your appointed executor or administrator of your estate.
    5. Your next of kin under the laws of the state you reside in when you die.
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  • You can pay your premiums directly to the Office of Personnel Management. In this case, we will tell you how to make these arrangements. You should not send any payments until we do.
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  • That depends on when you worked and whether you are covered by the Civil Service Retirement System (CSRS) or the Federal Employees Retirement System (FERS). Make a selection from the list of circumstances below which best describes your situation and ask your local personnel service center for assistance because they have your employment records.
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  • Your Official Personnel Folder should contain a record of your current Federal life insurance coverage on a Standard Form 2817, "Life Insurance Election", and, if appropriate, your current life insurance designation of beneficiary, Standard Form 2823. If there is no designation of beneficiary, benefits will be paid in the following order:
    1. Your widow or widower.
    2. Your children in equal shares.
    3. Your parents in equal shares.
    4. Your appointed executor or administrator of your estate.
    5. Your next of kin under the laws of the state you reside in when you die.
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Total Count: 22, Number of Pages: 2, Page: 2
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