# Retirement FAQs Post-Retirement

• 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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• If no survivor annuity is payable upon the retiree's death, any remaining portion, representing either the remaining annuity and/or retirement contributions not paid to the retiree, is payable to the person(s) eligible under the order of precedence. If the court assigned payment under a court order, we will pay the lump sum in accordance with that court order. Otherwise, we will pay benefits under the following order of precedence:
• to the designated beneficiary;
• if there is no such beneficiary, to the widow or widower;
• if none of the above, to the child or children, with the share of any deceased child distributed among the descendants of that child (a court will usually have to appoint a guardian to receive payment for a minor child);
• if none of the above, to the parents in equal shares or the entire amount to a surviving parent;
• if none of the above, to the executor or administrator of the estate; or
• if none of the above, to the next of kin as determined under the laws of the State where the retiree lived.
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• Monthly payments to a surviving spouse generally continue for life unless your spouse remarries before age 55. If your spouse was married to you for at least 30 years, he or she can continue receiving benefits when there is a remarriage before age 55 occurring after January 1, 1995.
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• We only withhold Federal income tax. You may find that the Federal income taxes withheld from your first interim payment will be higher than the Federal tax withholdings from your subsequent interim payments and regular annuity. We will make any necessary tax withholding adjustment when we finish processing your application. Your health and life insurance coverage will continue while you are receiving interim pay. We will begin withholding health and life insurance premiums retroactive to the commencing date of your annuity, when we finish processing your application.
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• Please select the retirement system and date of adjustment from this list.
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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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• When we receive your retirement application, we will notify you and will provide a civil service claim identification number (a seven-digit number preceded by "CSA"). You must use that identification number whenever you contact OPM about your annuity. To check the status of your form or application, you may contact the Retirement Office at (888) 767-6738 or retire@opm.gov.  The phone lines are open from 7:30 am to 7:45 pm (Eastern Standard Time). It is a busy phone number so we encourage you to call early in the morning or after 5:00 pm when the phone lines are less busy.
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• If at age 62 you are eligible for Social Security, we will recompute your retirement benefit to "offset" any part of your Social Security benefit that is based on your years of Federal service under the offset plan.
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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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• The Office of Federal Employees' Group Life Insurance (OFEGLI) will pay life insurance benefits in a particular order, set by law:
• If the annuitant or employee assigned ownership of life insurance, OFEGLI will pay benefits in the following order of precedence:
• First to the beneficiary designated by the assignee(s), if any;
• Second, if there is no such beneficiary, to the assignee(s).
• If the annuitant or employee did not assign ownership and there is a valid court order on file, OFEGLI will pay benefits in accordance with that court order.
• If the annuitant or employee did not assign ownership and there is no valid court order on file, OFEGLI will pay benefits in the following order of precedence:
• to the beneficiary designated;
• if there is no such beneficiary, to the widow or widower;
• if none of the above, to the child(ren), with the share of any deceased child distributed among the descendants of that child (a court will usually have to appoint a guardian to receive payment for a minor child);
• if none of the above, to the parents in equal shares or the entire amount to the surviving parent;
• if none of the above, to the executor or administrator of the estate; or
• if none of the above, to the next of kin as determined under the laws of the State where the annuitant or employee lived.
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• We will send you a personalized statement titled "Your Federal Retirement Benefits". It details, among other things, how much your monthly payment will be. It also confirms such things as health and life insurance coverage, and provides information you will need to prepare your tax returns.
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• A divorce, legal separation, or annulment court order may require that an employee or a retiree provide a survivor annuity for a former spouse. We will pay based on the court order after a death-in-service or after the death of an annuitant. If the benefit will be based on a court order, employees and retirees [or their former spouses] need to send us a court-certified copy of the court order. Send this to:
U. S. Office of Personnel Management Retirement Services Program Court-Order Benefits Branch Post Office Box 17 Washington, DC 20044-0017
If you are still working for the Federal Government, you should also provide a copy of the court order to your personnel or human resources office. All court orders involving garnishments or allotments of your payments from us must be sent to the address given above.
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Total Count: 166, Number of Pages: 12, Page: 2