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Frequently Asked Questions Retirement

  • You can use Retirement Services Online at https://www.servicesonline.opm.gov.  You will need your claim number and Personal Identification Number (PIN) to use the self-service website.

    If you forgot your PIN, you can request a new one by mail here: https://www.servicesonline.opm.gov/Security/requestpassword.aspx.  Alternatively, you can call the Retirement Operations Center at 1-888-767-6738 and request a new PIN.  The phone lines are open from 7:40 am to 5:00 pm (Eastern Standard Time).
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  • If you meet the eligibility requirements for a retirement benefit, you are eligible to receive an annuity based on your length of service and your high-3 average salary. The information in your application is used to determine if you are applying for a disability option, a regular or early-out option, or a discontinued service annuity. It is also used to check the service listed on your payroll records.
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  • Generally, if you are receiving a regular retirement, it will continue and your salary will be equivalently reduced. But, if you retired for disability or because your job was eliminated, your eligibility for the retirement benefit might end. You can discuss this with your prospective employer or provide us with detailed information about the position so that we can let you know if your benefit would stop. We need to know the title, grade, salary, tour of duty, and retirement coverage provided by the position you are considering.

    If your retirement benefit ends, your health benefits coverage as a retiree stops as well. You can enroll for health benefits where you are employed. Your life insurance as a retiree stops without a right to convert to an individual policy. Your eligibility for life insurance coverage will be the same as any other new employee.

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  • At your request, your employer should provide you with any of the following estimates that apply to your circumstances. However, the U.S. Office of Personnel Management determines the actual amount of the benefit that is payable based on the laws and regulations and on the certified record of your employment.

    • If you receive military retired pay, an estimate of your benefit with and without credit for military service.
    • If you are considering deposit for military service after 1956, an estimate of your benefit with and without credit for the military service you performed after December 31, 1956.
    • If you are considering a deposit, under the Civil Service Retirement System, for federal employment before October 1, 1982, estimates of the amount of the deposit and the amount of your benefit with and without the reduction for the deposit.

    Deposit service ending before October 1, 1982 and covered by the CSRS.

    • If you are considering a deposit, under the Civil Service Retirement System (CSRS), for federal employment on/after October 1, 1982, estimates of the amount of the deposit and the amount of your benefit with and without credit for the employment period.

      Deposit service ending after October 1, 1982 and covered by the CSRS.

    • If you are considering repaying, under the Civil Service Retirement System (CSRS), a refund of retirement contributions for employment ending before October 1990, an estimate of the amount of the redeposit and your benefit with and without the actuarial reduction taken if the redeposit is not paid.

      Redeposit service ending before October 1, 1990 and covered by CSRS.

    • If you are considering repaying, under the Civil Service Retirement System (CSRS), a refund of retirement contributions for employment ending after October 1990, an estimate of the amount of the redeposit and your benefit with and without credit for the employment period covered by the refund.

      Redeposit service ending on/after October 1, 1990 and covered by CSRS.

    • If you are considering a deposit, under the Federal Employees Retirement System (FERS), for federal employment before 1989, estimates of the amount of the deposit and the amount of your benefit with and without credit for the employment period.

      Deposit service ending before January 1, 1989 and covered by FERS.

    • If you are considering providing less than the maximum annuity payable after your death to a husband, wife, or ex-spouse, estimates of the amount of the survivor's annuity and the amount of your annuity with and without the reduction for full survivor's benefit.

      View information on family benefits.

    • If you are considering providing a survivor annuity to someone who has a financial interest in your continued life, an estimate of your benefit with and without the reduction for this election.

      View information on family benefits.

    • If you have made voluntary contributions and can elect to purchase additional annuity with those contributions, benefit estimates with and without credit for the voluntary contributions.

      View information about voluntary contributions.

    • If you can elect to receive the alternative form of annuity, an estimate of your benefit with and without the lump sum payment of retirement contributions.

      View information about the alternative form of annuity.

    • For employees, under the Federal Employees Retirement System (FERS), who can elect to receive an annuity supplement, an estimate of the monthly amount payable to age 62.

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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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  • You can keep your basic life insurance in retirement if all of the following conditions are met:

    • You have coverage when you retire;
    • You have not converted coverage to an individual policy;
    • Your annuity begins within 30 days or, (However if you are retiring under the Minimum Retirement Age (MRA) plus 10 provision of the Federal Employees Retirement System (FERS) and you have postponed the commencing date of your annuity, health and life insurance coverage is suspended until your annuity begins) and,
    • You were insured for life insurance for the five years immediately preceding retirement or the full periods of service when coverage was available.

    You can keep your optional life insurance in retirement if all of the following conditions are met:

    • You are eligible to continue your basic coverage; and,
    • You were covered by the optional life insurance for the five years immediately preceding retirement or the full periods of service when coverage was available, if less than five years.
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  • You can help reduce delays in processing by submitting your application in advance and by making sure your Official Personnel Folder (OPF) is complete. If you submit your paperwork early, your personnel and payroll offices will be able to complete their action before your retirement date.

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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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  • 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.
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  • For more information regarding Federal income taxes, visit the IRS website at www.irs.gov or call the IRS on 1-800-829-1040.
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