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Retirement FAQs Post-Retirement

Address and Withholding Changes

  • 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 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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  • 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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  • 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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  • 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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  • There are many reasons for changing your health benefits enrollment. If you are changing your coverage because of one of the reasons listed below, we can make the change based on your telephone call. When calling you must have your claim number and social security number, as well as the enrollment number and name for your new plan. Changes we can make by phone include:
    • You are changing to self-only coverage from family coverage;
    • You are changing plans because you have moved out of the service area of your Health Maintenance Organization (HMO);
    • You turned 65 and are changing to a lower cost plan option because you are eligible for Medicare;
    • You are changing your enrollment during the annual Health Benefits Open Season, which usually runs from mid-November to early December; or
    • You are changing to family coverage because you marry, or have or adopt a child. (This option is not available to survivors.)
    You should contact us within the period beginning 31 days before up to 60 days after the date of the event. You may change the plan in which you are enrolled or from high to low option coverage during the annual Open Season for electing coverage. If you need assistance with your health benefits enrollment, call 1 (888) 767-6738 , to change your enrollment or if you need to speak with a Customer Service Specialist. Or, see our web pages at http://www.opm.gov/insure/health/index.asp to obtain information about health insurance benefits online. If you are eligible for TRICARE or TRICARE-For-Life benefits, you may suspend your FEHB coverage and premium payments. You are able to reenroll in the FEHB Program during the Open Season, or immediately if you are involuntarily disenrolled from the TRICARE program. Select this link to find answers to frequently asked questions on this topic.
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  •  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.   Some of 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
    • 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
    OPM CAN NOT provide tax advice.  Please contact the Internal Revenue Service toll free at 1-800-829-1040 to speak with an agent who will provide free tax advice. 
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  • If you are not receiving social security benefits, you can have Medicare premiums withheld from your annuity payments. We must receive a request for the withholding from the Centers for Medicare and Medicaid Services. We cannot withhold premiums based on your direct request or even one from the Social Security Administration. However, the social security district office may be able to give you additional information.
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  • We keep a separate mailing address to periodically send you information about your retirement and health and life insurance benefits. You can see the current record of your mailing address on Services Online. Please notify us if this address changes. (If you do not receive your payments through direct deposit, we ordinarily use the same address for mailings and payments.)
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  • 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.
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  •   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.
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  • You can reduce your premiums by reducing your coverage. However, if you reduce coverage, you cannot increase it again at a later date. See our answer to a frequently asked question about coverage after age 65 and our web pages at http://www.opm.gov/insure/life/index.asp to obtain more information about the Federal Employees' Group Life Insurance (FEGLI) program. To change your coverage, write us.
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  • You are taxed on your gross annuity according to your most current W4-P tax marital status election on file. You can change your election at anytime. Go to www.servicesonline.opm.gov or email us at retire@opm.gov. Your 1099R will reflect a reduction in your gross annuity after your retirement application is finalized based on the amount of apportionment that you pay your former spouse. There will be a footnote on the 1099R stating the amount of the apportionment paid to your former spouse for the year. Because your annuity is subject to a court ordered apportionment, OPM does not calculate the taxable portion of your annuity. The 1099R will show ‘Unknown’ in the 2.b ‘Taxable Amount’ box.  You may wish to speak with a representative at the Internal Revenue Service or a tax advisor to help you calculate the tax-free portion of the calculation. Current tax tables for this year are available in Internal Revenue Publication 15. You may view this publication on line by accessing the IRS web site at www.irs.gov. You may also call the IRS toll free for tax advice at: 1-800-829-1040 (agent).  Your former spouse must report the amount of apportionment he/she receives as taxable income and is required to pay taxes on these funds. Apportionment monies cannot be used as alimony deductions on a tax return. Please note it is your responsibility to make sure enough federal income tax is withheld from your annuity and to check the amount of tax withheld early in the year to be sure you are paying the correct amount.
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  • The law requires us to make payments by direct deposit to a checking or savings account at a financial institution. However, if receiving your payment in this manner would cause you financial hardship or a hardship due to disability or because of a barrier caused by location or a difficulty reading, you can continue to receive your payment by check. You can use this form [312 KB] to request payment by check instead of direct deposit.
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  • OPM can refund Federal and/or state income tax withholding ONLY for the current year.  To request a refund, you can email us at retire@opm.gov or call us at 1-888-767-6738.  Remember to provide your CSA or CSF claim number or full SSN.  We can issue a refund of the monies withheld in the current year ONLY.  If you want a partial reimbursement, let us know the exact amount (no percentage) AND provide the exact period (for example 5/10/2011 to 12/31/2011).  Normally, the refund is issued as a separate payment. We cannot refund tax withholding for previous tax years.    To request a refund of your withholdings for previous tax years, please contact the IRS at 1-800-829-1040 for Federal tax withholding refund and your State Revenue Office for state tax withholding refund.  If we are not currently withholding State tax, you must call your State Tax office for a refund.  Find  your State Revenue Office here
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