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You should review your Official Personnel Folder (OPF) to make sure that there is verification of all of your military and civilian service. If any of the records are missing, your employer should help you document the service and obtain any missing records.
If you have civilian service for which you must pay retirement contributions or repay a refund of contributions, your employer should tell you about what impact payment or non-payment has on your eligibility and the amount of your retirement benefit.
If you owe a payment to receive credit for military service you performed after 1956, you must make that payment before you retire. If you are receiving military retired pay, you should discuss whether or not you must waive the retired pay with the personnel officer at your agency.
Your personnel officer can also tell you about receiving credit in your annuity computation for various types of service and about the payments described above, as well as help you with service documentation.
To understand the concept of Phased Retirement, consider two half-time employees who fill one full-time job. Employee one retires while employee two continues working. Employee one receives an annuity based on half-time employment, and employee two continues to work half-time for half-pay. Eventually, employee two retires, and receives an annuity based upon half-time service, including credit for the time worked after employee one retired. Now assume that employee one and employee two are the same person. That is in essence how Phased Retirement operates.
While there are additional computational details, these are the basics. At entry into Phased Retirement, the employee’s annuity will be completed as if fully retired and then divided by two. That annuity would be paid while the individual worked a half time schedule receiving half pay.
When the Phased Retiree fully retires, there will be a computation of the annuity that would be payable if the employee had been employed full time and then divided by two prior to adjustment for survivor benefits. That amount would then be added to the original Phased Retirement Annuity, and that combined amount would then provide the basis for survivor annuity adjustment and benefits.
The individual’s income during partial and full retirement appropriately reflects the individual’s situation. During the partial retirement period, the income will be between full retirement and full employment, and the Phased Retiree would be increasing their lifetime retirement income. At the time of full retirement, the individual would be appropriately compensated for the value of both full-time and part-time service, with an annuity greater than if they had fully retired at the time of transition to Phased Retirement, but less than if the individual had continued employment on a full-time basis during the period of Phased Retirement.
Your personnel office must take the following actions to process your
Complete the "Agency Check List of Immediate Retirement Procedures," Standard
Form 2801, Schedule D (CSRS) or 3701, Schedule D (FERS);
Prepare and obtain your signature on the "Certified Summary of Federal
Service," Standard Form 2801-1 (CSRS) or 3701-1 (FERS);
Verify any service not fully documented in your OPF; [Note:If documentation
is missing, verification may be obtained by contacting federal record centers.
If the personnel office is unable to obtain verification, we will complete
verification upon receipt of your retirement application and records. This
process will cause a delay in processing of your claim.]
Certify and transfer your coverage under the Federal Employees' Group Life
Insurance (FEGLI) program to OPM;
Transfer your enrollment under the Federal Employees' Health Benefits (FEHB)
program to OPM;
Prepare Standard Form (SF) 50, "Notification of Personnel Action."; and
Send all of your retirement materials to your payroll office.
You should contact the Social Security
Administration at least three months before your 65th birthday to apply for
benefits. The Social Security Administration will have records pertaining to
your eligibility for Medicare coverage. If they do not, and you or your
employer need to get a statement of your earnings for this purpose, you can
General Services Administration
National Personnel Records
Civilian Personnel Records
111 Winnebago Street
You should provide the following information in your request:
Your benefit will be computed in the same manner as if it were not subject to
offset. However, it will be reduced when you become eligible for Social Security
benefits. The offset applies when the basic requirements for Social Security are
met, generally at age 62, even if you do not apply for those benefits. If you
are not eligible for Social Security benefits at age 62, there is no offset
unless you become eligible later.
If you are a federal retiree, contact OPM’s Retirement Office at 1-888-767-6738 or firstname.lastname@example.org to check the status of your request. 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.
You should resolve any financial indebtedness to your agency. Examples of
causes for indebtedness include:
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