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.

Retirement FAQs

  • Services Online is our online tool for annuitants.  You will need your CSA or CSF number and a password.  If this is your first time using Services Online, you will need to setup your personal security questions.  Using Services Online, you can:
    • View and print your annuity statement
    • Start or change direct deposit and/or change financial institutions
    • Start or change Federal Income Tax withholding
    • Update your mailing address
    • Update your email address
    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.
  • Generally, since your coverage under these programs effectively ended when you left Federal service, you cannot continue the coverage into retirement when you receive a deferred annuity.
    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 you will receive only a portion of the first increase payable. We will prorate the first increase based on how long you were retired before it is given. At that time, we will send you a notice explaining the increase. Federal Employees Retirement System (FERS) cost of living increases are not provided until age 62, except for disability and survivor benefits. Read about this year's cost-of-living adjustment for those who receive benefits under the Civil Service Retirement System and the Federal Employees Retirement System.
    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 apply to make a payment by completing a Standard Form 2803 if you are covered by the Civil Service Retirement System (CSRS). You should use Standard Form 3108 if you are covered by the Federal Employees Retirement System (FERS). If you are within six months of retirement, you should submit your request to make the deposit or redeposit at the same time you submit your application for retirement. You can use a form or letter to do this. We will notify you of any amounts due so you can decide whether or not to make the payment. We cannot, however, authorize your regular annuity payments until we have your decision about the payment.
    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.
  • The “Making Work Pay” tax credit expired December 31, 2010. As a result, you may see an increase in the amount of Federal income tax being withheld from your monthly annuity payments. The tax withholding tables published by the Internal Revenue Service (IRS) were adjusted to provide for the correct withholding amounts without this credit. The tax rates did not change; only the tax withholding tables changed. For more information concerning the 2011 Federal tax withholding tables go to IRS Notice 1036, TABLE 4—MONTHLY Payroll Period. For other questions on Federal taxes, go to www.irs.gov.
    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.
  • This list shows the possible withholdings from or adjustments to your CSRS or FERS annuity payment. The list provides a description of the withholdings or adjustments and the code that is used for listing them on your annuity adjustment notice. However, it does not include the enrollment codes for plans under the Federal Employees Health Benefits (FEHB) program. See our web pages at http://www.opm.gov/insure/health/index.asp to obtain information about health insurance benefits online.
    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.
  • OPM takes the following steps to process your claim for retirement benefits.
    • Obtains missing information from your retirement documents;
    • Determines your eligibility for an annuity and continued health and life insurance coverages;
    • Computes the amount of your annuity;
    • Sends you materials concerning:
    • Authorizes your annuity payment by the Department of the Treasury; and
    • Sends you an annuity statement.
    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 are in good health and you retire for reasons other than disability, you may elect to provide a survivor annuity to someone with an insurable interest. You can elect to provide an insurable interest benefit and the maximum benefit for a spouse or an ex-spouse. Spousal consent is not required. However, if you are married and elect an insurable interest benefit for your spouse, spousal consent is required. If you elect an insurable interest benefit, you are responsible for arranging for and paying the cost of any medical examination required to show you are in good health. A report of the medical examination should be included with your retirement application. You can elect to provide an insurable interest annuity only for someone who has an insurable interest in you. "Insurable interest" is an insurance term which applies to someone who would reasonably expect to derive financial benefit from your continued life. For survivor benefit election purposes, an insurable interest is presumed to exist if you name as beneficiary of the insurable interest, any of the following individuals:
    • a spouse;
    • a blood or adopted relative closer than first cousins;
    • an ex-spouse;
    • a person to whom you are engaged to be married; or
    • a person with whom you are living in a relationship that would constitute a common-law marriage in a jurisdiction that recognizes common-law marriages.
    If the person named is not one of the above, you should submit affidavits with your retirement application from one or more people with knowledge of the individual's insurable interest. The affidavits should state:
    • the relationship between you;
    • the extent to which the person named is dependent on you;
    • the reasons why the person named might reasonably expect to derive financial benefit from your continued life.
    The reduction to provide an insurable interest benefit is computed as follows:
    • If the person named is older, the same age, or less than 5 years younger than the retiree, the reduction is 10 percent;
    • If the person named is 5 but less than 10 years younger than the retiree, the reduction is 15 percent;
    • If the person named is 10 but less than 15 years younger than the retiree, the reduction is 20 percent;
    • If the person named is 15 but less than 20 years younger than the retiree, the reduction is 25 percent;
    • If the person named is 20 but less than 25 years younger than the retiree, the reduction is 30 percent;
    • If the person named is 25 but less than 30 years younger than the retiree, the reduction is 35 percent; or
    • If the person named is 30 or more years younger than the retiree, the reduction is 40 percent.
    The insurable interest automatically ends if the insurable interest dies, if you marry the insurable interest and elect to provide a spousal benefit, or if the named person is your spouse and you change your election to provide a spousal survivor 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.
  • If you are a widow or widower of an individual who died as an employee or retiree, your survivor annuity begins on the day after the employee's or retiree's death. If you are a widow or widower of a former FERS employee who was separated from Federal service when he/she died, but had not yet retired, your annuity begins on the date the deceased former employee would have been eligible for an unreduced annuity.  You have the option to begin receiving the benefit at a lower rate on the day after the former employee’s death.  If you are eligible for benefits and we are unable to pay you because a former spouse is entitled, your annuity would begin the day after the former spouse loses entitlement to benefits. If you are eligible for a survivor annuity because of your insurable interest in the life of the annuitant, your survivor annuity begins on the day after the annuitant's death. If you are a former spouse who was awarded a survivor annuity based on a court order, your survivor annuity begins to accrue on whichever day is later: the day after the employee's or retiree's death or the first day of the second month after we receive a certified copy of the court order along with any additional necessary supporting documentation. If you are a former spouse who is eligible for benefits based on the retiree's election of a reduced annuity to provide the benefit, your annuity begins to accrue the day after the retiree's death. If you are eligible for benefits and we are unable to pay you because another former spouse is entitled, your annuity would begin the day after the former spouse loses entitlement to benefits. If you are a child of a deceased employee or annuitant, your survivor annuity begins to accrue on the day after the employee's or retiree's death.
    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 want to waive your military retired pay to receive credit for military service in the computation of your benefit, you should write the Retired Pay Operations Center at least 60 days before your planned retirement.  Send your waiver to: Defense Finance and Accounting Service U.S. Military Retirement Pay P.O. Box 7130 London, KY 40742-7130 You can "fax" your request to 1 (888) 469-6559. Suggested wording for your request is as follows: "I (full name and military serial number) hereby waive my military retired pay for Civil Service Retirement/Federal Employees Retirement System purposes effective (the day before your annuity begins). I hereby authorize the U.S. Office of Personnel Management to withhold from my CSRS or FERS annuity any amount of military retired pay granted beyond the effective date of this waiver due to any delay in receiving or processing this request."
    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.
  • Contact your agency’s Benefits Officer.  A complete list of Benefits Officers by agency can be found at http://apps.opm.gov/abo/.
    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.
  • Send your request by e-mail to screceipts@opm.gov and a response will be returned by e-mail.  Be sure to include your name, date of birth and CSD Claim Number.
    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 your 1099R Statement Box 2.a for the Taxable Amount is marked as 'Unknown'; this means that OPM did not calculate the tax-free portion of your annuity.  The most common reasons for not calculating the tax-free portion of your annuity:   Your case is a Disability Retirement You retired prior to November 19, 1996 You have Voluntary Contributions, an apportionment was paid to your former spouse(s) Your case has not been finalized and you are in Interim pay status You have Survivor benefits payable and/or Your case is an Office of Workers Compensation case.
    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 Federal Employees Retirement System (FERS), you will be given the opportunity to pay for temporary service prior to January 1, 1989. Under the Civil Service Retirement System (CSRS), if you had service on/after October 1, 1982, for which no contributions were made, we will give you the opportunity to pay the contributions, and will tell you what difference it makes to your monthly benefit. If you had unpaid service prior to October 1, 1982, we do not notify you before we finish processing your application because it generally is not to your advantage to make the payment.
    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.
  • Refer to information about payments and about address and withholding changes.
    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.


Total Count: 409, Number of Pages: 28, Page: 7
Control Panel