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Retirement FAQs

Post-Retirement

  • After logging in to SOL (https://www.servicesonline.opm.gov/) 1)       Select Request a Duplicate Form 1099-R.  2)       You can elect to have a duplicate mailed to you or you can view/print the form. 3)       At the Request for Duplicate Form 1099-R window, select View or Print (bottom of the window) 4)       Select the year for which you want a 1099R and 5)       Select view pdf.  The 1099-R will open in a new window, as a pdf.  If you want to print the 1099R, select File from the new window, scroll down and select Print. You can print current year and two previous years 1099R at Services Online. Note:  If you don’t have a claim number and password for Services OnLine, you can email retire@opm.gov or call Retirement Information office at 1-888-767-6738 for a duplicate copy of your 1099R.  You will need your CSA or CSF number (or Social Security Number) and date of birth.  Make sure your mailing address is correct!  Wednesday, December 21, 2011
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  • Use our calculator to figure the tax-free portion of your annuity payment. Use our calculator to figure the amount of your monthly federal income tax withholding. Then, use Services Online to change the federal tax withheld from your annuity payment.
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  • Use Services Online to view your monthly annuity statement. This statement shows your current annuity payment, including the gross amount, up to 35 possible deductions or additions, and the net amount. The online statement reflects changes you made through the previous business day, unless the changes were made after the date for updating the monthly payment. Any changes you made after that date will be reflected in the statement for the next month's payment, when the change would be effective. Please refer to our payment schedule for information on the dates by which changes must be made in each month's payment. Your statement will also show required payment adjustments we make such as cost-of-living adjustments, health benefit premium changes, Federal income tax withholding table changes, and life insurance premium changes.
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  • If you retired before December 9, 1980, your Basic life insurance will begin to reduce by 2 percent of the face value each month beginning with the second month after your 65th birthday or your retirement date, whichever is later. This reduction continues until your Basic life insurance reaches 25 percent of the face value. This coverage is free. If you retired on or after December 9, 1980, and before January 1, 1990, you elected one of the following reduction schedules for your Basic life insurance:
    • 75 percent reduction - If you elected this reduction schedule, your Basic life insurance will begin to reduce by 2 percent of the face value each month beginning with the second month after your 65th birthday or your retirement date, whichever is later. This reduction continues until your Basic life insurance reaches 25 percent of the face value. This coverage is free.
    • 50 percent reduction - If you elected this reduction schedule, your Basic life insurance will begin to reduce by 1 percent of the face value each month beginning with the second month after your 65th birthday or your retirement date, whichever is later. This reduction continues until your Basic life insurance reaches 50 percent of the face value. We withhold premiums for this coverage from your annuity beginning at retirement and continuing for life.
    • No Reduction - If you elected this reduction schedule, the full amount of your Basic life insurance remains in force after you reach age 65. We withhold premiums for this additional coverage from your annuity beginning at retirement and continuing for life.
    If you retire after December 31, 1989, you must elect one of the three reduction schedules described above when you retire. Regardless of which reduction schedule you elect, if you separate before age 65, until you are 65 you must also pay the same premium as employees for the Basic life insurance you continue into retirement. The amount of Option A - Standard insurance (formerly known as "Optional insurance") is $10,000 at retirement. If you retired before October 30, 1998, your Option A insurance may have been higher than $10,000. If you have this coverage, it will begin to reduce by 2 percent per month or $200, beginning the second month after your 65th birthday or your retirement date, whichever is later, until it reaches 25 percent of the face value or $2,500. We will withhold premiums for Option A insurance from your annuity through the end of the month in which you are 65, unless you elect to cancel this coverage. All annuitants with Option B - Additional insurance as of April 24, 1999, or later, are eligible to make an Option B reduction election. Those who are 65 or older at retirement will hear from us shortly after retirement. We will contact annuitants who retired before age 65 shortly before their 65th birthday. At that time, the annuitant may elect either Full Reduction or No Reduction for each separate multiple of Option B. For example, a person with five multiples may elect No Reduction on two multiples, while the three remaining multiples reduce fully. If you elect Full Reduction, effective the first day of the second month after your 65th birthday or your retirement date, whichever is later, your Option B full-reduction multiples will reduce by 2 percent of the face value per month for 50 months, at which time this coverage will end. We will withhold premiums for this coverage from your annuity through the month in which you reach age 65. If you elect to continue some or all of your Option B multiples with No Reduction, when you are 65 or at retirement, whichever is later, we will adjust the withholding for your Option B coverage to reflect the number of multiples you decided to retain at No Reduction. Any other multiples will start to reduce as described above. All annuitants who have Option C - Family insurance, and whose annuity commencing dates are April 24, 1999, or later, are eligible to make an Option C reduction election. Those who are 65 or older at retirement will hear from us shortly after retirement. We will contact annuitants who retired before age 65 shortly before their 65th birthday. At that time, the annuitant may elect either Full Reduction or No Reduction for each separate multiple of Option C. For example, a person with five multiples may elect No Reduction on two multiples, while the three remaining multiples reduce fully. If you elect Full Reduction, or if you separated for retirement before April 24, 1999, effective the first day of the second month after you reach age 65 or your retirement date, whichever is later, your Option C full-reduction multiples will reduce by 2 percent of the face value per month for 50 months, at which time this coverage will end. We will withhold premiums for this coverage from your annuity through the month in which you reach age 65. If you elect to continue some or all of your Option C multiples with No Reduction we will adjust the withholding for your Option C coverage to reflect the number of multiples you decided to retain at No Reduction. Any other multiples will start to reduce as described above. For more complete information about life insurance coverage as an annuitant, please check the life insurance pamphlet, Information for Retirees and Their Families: Federal Employees Group Life Insurance, RI 76-12.
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  • The survivor benefit you elected at retirement is no longer payable. A monthly survivor benefit would be payable to your former spouse after death if one is provided by court order or your new election. The following conditions must exist for your former spouse to receive a benefit:
    • You were married to your former spouse for at least nine months;
    • You performed at least 18 months of creditable civilian service;
    • Your former spouse to whom you were married less than 30 years has not remarried before age 55.
    Your annuity may be reduced if your former spouse was awarded a survivor annuity by a qualifying court order. If you retired on or after May 7, 1985, we will honor the terms of a court order that requires you to provide a survivor annuity for an eligible former spouse for a marriage dissolved on or after May 7, 1985. If you are divorced after retirement from a spouse to whom you were married at retirement, we will honor the court order to the extent that your annuity was reduced at retirement. If you did not elect a survivor annuity for that person at retirement, your annuity will not be reduced. If you retired before May 7, 1985, we will honor the terms of a qualifying court order that requires you to provide a survivor annuity for an eligible former spouse in connection with a marriage that was dissolved on or after May 7, 1985, but only if you were married to that person at retirement and elected to provide a survivor annuity at that time or your were married to that person at retirement and elected to provide a survivor annuity before May 7, 1985.
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  • Use Services Online to sign up for direct deposit, or to change the account or bank where your payment is sent. You will need your claim number and Personal Identification Number (PIN) to use the self-service website. You will be asked whether your account is a savings or checking account and to provide your account number and the routing number for your financial institution (found next to your account number on the bottom of your check). You should contact your financial institution for assistance in getting the routing number if you are not sure. When you make a change, we will mail you confirmation of the change. You can also call us or write us to sign up for direct deposit or change your account or bank. If you write, your letter should include your claim number. You can also use this form to sign up for direct deposit. Or, you can submit a Standard Form 1199A, "Direct Deposit Sign Up Form," which is available at your bank. When you change the account you use for direct deposit, keep the old account open until a payment is posted to the new account. This will prevent having the payment returned if there is a problem with the new account.
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  • OPM provides a federal tax calculator on our website, www.opm.gov/retire, that may assist you in determining the amount of Federal income tax to withhold. Please be advised that changing the amount of your Federal income tax withholding will not reduce your tax liability at the end of the tax year.
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  • If it is within 30 days of your first regular annuity payment, you may file a new election in writing. You should send the election to:
    U.S. Office of Personnel Management Retirement Operations Center Post Office Box 45 Boyers, PA 16017  
    Your first regular monthly payment is the first one paid in an amount other than the estimated amount or the adjustment payment after we have computed your regular annuity amount. If you change your election to anything other than the maximum, you must obtain your spouse's consent or a waiver of the consent requirement. After the 30 day period has passed, you can change your election only under the following circumstances. If it is more than 30 days from the date of your first regular monthly payment, but less than 18 months from the beginning date of your annuity, you may change your decision not to provide a survivor annuity or you can increase the survivor annuity amount. You must request the change in writing at:
    U.S. Office of Personnel Management Retirement Operations Center Post Office Box 45 Boyers, PA 16017
    You must also pay a one-time payment representing the difference between the old and new election amounts. This one-time payment also includes a percentage of your annual benefit. The percentage is 24.5 percent of your annual benefit if you are changing from no survivor benefit to a full survivor benefit or 12.25 percent if you are changing from no survivor benefit to a partial one. Interest is also charged at the rates shown in this table. Your written election should include your claim number, the amount of your new survivor election, and your spouse's name, social security number, date of birth, and a copy of your marriage certificate
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  • Survivor annuities are payable through the end of the month prior to the date of the event which caused the loss of eligibility. For example, if the remarriage or other event occurred in April, benefits would end on March 31. Survivor annuities payable to widows, widowers, and former spouses end if the survivor remarries before age 55 and was not married for at least 30 years to the deceased employee or annuitant. Widows, widowers, and former spouses who remarry after they reach age 55 continue to be eligible for survivor annuity benefits. The survivor annuity for a former spouse who is entitled because of a court order, ends if the terms of the court order are satisfied. Insurable interest annuities are payable for the life of the survivor. If an annuity to a surviving spouse ends for a remarriage, it can be restored if the remarriage ends. Before the benefit can be restored, the survivor must pay back any lump sum payment of retirement contributions, if applicable. Former spouse benefits that end because of a remarriage can never be restored. If you want your annuity restored, write to us and include a copy of the decree of divorce, annulment, or death certificate. Annuity benefits for children end when the child reaches age 18, marries, or dies. Survivor annuities are payable through the end of the month prior to the date of the event which caused the loss of eligibility. For example, if the child turns 18 on June 29, benefits would end on May 31. Benefits for student children, stop at the end of the month before the one in which the student child:
    • turns 22;
    • marries;
    • dies;
    • stops attending school;
    • transfers to a school that is not recognized;
    • changes to less than full-time attendance;
    • enters military service or a Government service academy; or
    • fails to submit certification of full-time school attendance.
    You must notify us immediately if any of the above events occurs to minimize the potential for an overpayment of benefits. Include your claim number and a copy of any appropriate record such as a marriage certificate.
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  • Services Online is our online tool for annuitants.  You will need your CSA or CSF number and a password.  If you misplaced or forgot your password, there are three ways you can request a new one.    Remember to include your CSA/CSF number, your SSN and your name and date of birth on all correspondence with us. 
    • Online:  Go to https://www.servicesonline.opm.gov and request a password by email or by mail.   Scroll down the page and select the forgot password link (located in the gray sign on box).  Follow the directions on the Online Password Request page.
     If you select to receive your password by email, you’ll receive your temporary password to the email address we have on file for you within 2 days. 
    REMEMBER:  To request a password by email, you MUST have already established your security questions on Services Online.  If you select to receive your password by postal mail, you’ll receive your temporary password within 5 to 7 days by postal mail to the mailing address we have on file for you. 
    • By email:  Request a new password by sending an email to retire@opm.gov.  Please be sure to include your name, claim number and mailing address.  Your temporary password will be mailed to your address on file.  You will receive your temporary password by postal mail within 5 to 7 days. 
    •  By telephone:  Request a new password by calling us at 1 (888) 767-6738 between the hours of 7:15 am to 7:45 pm EST.  We will need your name, claim number and mailing address
    • By mail:  Request a new password by sending us a letter at Office of Personnel Management, PO Box 45, Boyers, PA 16017.  Be sure and tell us you want a new password.  Include your CSA or CSF number, your full name and your mailing address.  You temporary password will be mailed to your address on file.  You will receive your temporary password within 5 to 7 days.
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  • You may receive a CSRS survivor annuity and social security payments. You may receive a FERS survivor annuity and social security payments.  However, if you are the survivor of a FERS retiree, you cannot receive the FERS survivor supplement if you are eligible for social security mother, father or disability benefits based on the deceased annuitant’s account.  Please contact the local office of the Social Security Administration for information about social security benefits. If you receive social security benefits based on your own employment, there may be a reduction in the social security benefit you receive based on your deceased spouse's service. Contact the Social Security Administration for more information about the Government Pension Offset at http://www.ssa.gov/pubs/10007.html. See the information below about benefits which may be payable to the surviving spouse of a deceased annuitant who was covered by the Civil Service Retirement System (CSRS) Offset program. Under these circumstances, a survivor may be eligible for both a CSRS annuity and social security benefits.
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  • Use Services Online to:
    • start, change, or stop Federal and State income tax withholdings;
    • request a duplicate tax-filing statement (1099R);
    • change your Personal Identification Number (PIN) for accessing our automated systems;
    • establish, change, or stop an allotment to an organization;
    • change your mailing address;
    • start direct deposit of your payment or change the account or financial institution to which your payment is sent;
    • establish, change, or stop a checking or savings allotment; and
    • view a statement describing your annuity payment.
    You can also call our toll-free number 1 (888) 767-6738 , for these and many of your voluntary withholdings. When using our self-service systems, you need your claim number, Personal Identification Number (PIN), and social security number. If you do not have a PIN, call us. If you do not have a touchtone telephone, you can speak to a Customer Service Specialist. Generally, in the middle of month, we authorize payments that are due for the first business day of the following month. Therefore, if you want your change to be reflected in your next payment, you should submit your request as early in the month as possible. See our payment schedule for the last date you can change your next monthly payment.
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  • To report a death of someone who receives benefits from us, you can:
    • Contact us online:  Report a Death
    • Call us: 1-88USOPMRET — 1 (888)767-6738
    • Write to us at:
    U.S. Office of Personnel Management Retirement Services Program Post Office Box 45 Boyers, PA 16017-0045
    If you are reporting the death of someone who receives benefits from us, please provide us with the full name of the deceased and date of death, as well as the retirement claim number, if known, and social security number. You should also include your name, address, and telephone number. When we receive the report that someone who receives benefits from us has died, we will stop annuity payments and ask survivors who may be eligible for benefits to apply. In many cases, we can start monthly payments to an eligible surviving spouse based on the records on file. Payments made to a retiree after the date of his or her death are not negotiable. In addition, survivors may not be eligible for the full amount of such payments. Therefore, the Department of the Treasury will reclaim all direct deposit payments made after the date of death from the financial institution to which they were disbursed. The financial institution will debit the account to which the payments were previously credited. The annuitant's account should remain open until reclamation of any payments is completed. Uncashed checks payable to the deceased must be returned to the U.S. Department of the Treasury. You should void any uncashed checks by noting the annuitant's date of death on them before returning them. Voided checks should be returned to the following address: U.S. Department of the Treasury P.O. Box 24720 Oakland, CA 94623-1720 In addition, Benefit Officers can use our website to report the death of an employee and help us expedite payments to family members.
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  • You can voluntarily withhold Federal and State income taxes, checking and savings allotments, or allotments to other participating organizations. Federal Income Tax: Generally, unless you specify a monthly withholding rate or amount, we withhold Federal income tax as if you are married and claiming three allowances. Use Services Online to start, change, or stop the Federal tax withheld from your annuity payment or specify the dollar amount withheld. You can also call us or write us to change your withholding amount. If you write, your letter should include your claim number and the monthly amount in dollars you want withheld. If you write, we will send you a Form W-4P-A, "Election of Federal Income Tax Withholding," and instructions for making the change. The change in your withholdings will be made after we receive your Form W-4P-A. You may change the amount withheld whenever you think it is necessary. Please note that you may be penalized by the Internal Revenue Service (IRS) if you do not have at least 90 percent of your yearly tax liability either withheld from your salary or annuity or made via quarterly payments to the IRS. If you need more information or assistance in determining whether or not you are having the right amount of Federal income tax withheld, see the Internal Revenue Service website at http://www.irs.gov. State Income Tax: You must specify the dollar amount of State tax you want withheld from your monthly payments. The withholding must be in whole dollars. The minimum amount we can withhold for State income tax is $5. Use Services Online to start, change, or stop the State tax withheld from your annuity payment. You can also call us or write us to change your withholding amount. If you write, your letter should include your claim number and the monthly amount in dollars you want withheld. If you do not know the monthly amount you want withheld, contact your State tax office for information or assistance. Check our list of State tax offices for information about participating States. If your State does not participate, please contact the State tax office for information or assistance. Savings Bonds: As of April 1, 2009, The Office of Personnel Management is no longer withholding for the purchase of savings bonds. Please contact your bank or other financial institution or the Department of the Treasury to purchase these bonds. For further information on Savings Bonds visit the Treasury Direct website or call 1 (800) 4US-BOND. Allotments to Organizations: You can start, change, or stop an allotment to participating organizations. Participating organizations include:
    • American Federation of Government Employees (AFGE);
    • Fraternal Order of Retired Border Patrol Officers (Museum);
    • National Association of Postmasters of the U.S. Political Action Committee;
    • National Rural Letter Carriers Association Political Action Committee;
    • National Treasury Employees Union (NTEU);
    • Northwest Plan Administrators; and
    • Treasury Employees Political Action Committee.
    If the organization for which you wish to make an allotment is not listed above, you should contact them and ask them to provide us with the banking information needed to forward payments. The organization can contact us by email at finance@opm.gov. Use Services Online or call our toll-free number to make one-time or recurring membership payments to organizations. Checking and Savings Allotments:  Checking and savings allotments are voluntary deductions for allotments sent by direct deposit to a checking or savings account in your name. You may have up to two allotments. The accounts must be maintained at a domestic financial institution. This does not include charities, savings bonds, garnishments or other court orders, union or other organizational dues. You must maintain at least $100 net annuity payment. The allotment must be for a minimum of $50. Use Services Online to start, change, or stop an allotment or call our toll-free number to establish a checking or savings allotment.
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  • Survivors of Annuitants Under the Civil Service Retirement System (CSRS)- The maximum annuity for a spouse who survives an annuitant is 55 percent of the annuitant's benefit before it is reduced by the cost of the election to provide the survivor benefit. Generally, this equals 60 percent of the annuitant's current gross annuity. The survivor annuity will be less if the annuitant elected at retirement to provide less than the maximum benefit. For example, if an annuitant whose unreduced annual benefit is $31,003.24 elected to provide the maximum benefit, the survivor annuity would equal $31,003.24 x 55 percent = $17,051.78. Survivors of Employees Under the Civil Service Retirement System (CSRS)- The annuity payable to the surviving spouse of an employee whose death occurs while employed with the Federal Government is 55 percent of the annuity computed as if the employee had retired on disability as of the date of his or her death. An employee's surviving spouse receives 55 percent of the higher of:
    • An annuity computed under the formula based on the employee's service, salary, and sick leave. Refer to Civil Service Retirement System (CSRS) Computation for information about the computation of an employee's annuity.
    • A guaranteed minimum annuity which is the lesser of:
      • Forty percent of the employee's high-3 average salary; or
      • The regular annuity obtained after increasing the employee's length of service by the period of time between the date of the employee's death and the date he or she would have reached age 60.
    If, at the date of the employee's death, he or she was a law enforcement officer or firefighter who had at least 20 years of service as a law enforcement officer, firefighter or nuclear materials courier, the surviving spouse would receive 55 percent of the annuity computed under the special provisions for law enforcement officers, firefighters and nuclear materials couriers. If the employee performed service as a law enforcement officer or firefighter but was not employed in such a capacity at the time of his or her death; or, if he or she was a law enforcement officer or firefighter but was not age 50 with at least 20 years of law enforcement service or firefighter service, survivors can receive an annuity computation that is enhanced for the law enforcement or firefighter service on a pro-rated basis. If, at the date of the employee's death, he or she was age 50 and had performed at least 20 years of air traffic controller service; or, regardless of age, had at least 25 years of air traffic controller service, the surviving spouse receives 55 percent of an annuity computed under the special formula for air traffic controllers. Survivors of Annuitants Under the Federal Employees Retirement System (FERS)- Monthly Annuity- The maximum monthly annuity for a spouse who survives a FERS annuitant is 50 percent of the annuitant's benefit before it is reduced by the cost of the election to provide the survivor benefit.   The survivor annuity will be 25% of the annuitant’s benefit, if the annuitant elected at retirement to provide a partial survivor benefit. For example, if an annuitant whose unreduced annual benefit is $31,003.24 elected to provide the maximum benefit, the survivor annuity would equal $31,003.24 x 50 percent = $15,501.62. Survivors of Employees Under the Federal Employees Retirement System (FERS)- Monthly Annuity- The monthly annuity payable to the surviving spouse of an employee whose death occurs while employed with the Federal Government is 50 percent of the annuity computed as if the employee had retired as of the date of his/her death. The monthly annuity payable to the surviving spouse of the employee is 50 percent of the annuity computed under the special formula for law enforcement officers, firefighters, and air traffic controllers if, at the date of death, the employee was:
    • Age 50 or older and had at least 20 years of law enforcement, firefighter and/or nuclear materials courier service, or 20 years of air traffic controller service; or
    • Was any age with at least 25 years of law enforcement, firefighter or nuclear materials courier service, or 25 years of air traffic controller service.
    Basic Employee Death Benefit- Amount of the Basic Employee Death Benefit:
    • 50% of the employee’s final salary (average salary, if higher), plus
    • $15,000 increased by Civil Service Retirement System (CSRS) cost-of-living adjustments beginning 12/1/87.  For deaths on or after 12/1/07, this amount is $28,093.53.  It will be updated by future CSRS cost-of-living adjustments.
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Total Count: 166, Number of Pages: 12, Page: 1
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