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Frequently Asked Questions Retirement

  • Your personnel office must take the following actions to process your retirement application:

    • 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.

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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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  • We have the authority to waive the five-year participation requirement when it is against equity and good conscience not to allow an individual to participate in the health insurance program as a retiree. However, the law says that a person’s failure to meet the five-year requirement must be due to exceptional circumstances. When someone is retiring voluntarily, a waiver may not be appropriate because he or she can continue working until the requirement is met. When circumstances under these conditions otherwise warrant a waiver, we will notify the individual's employer.
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  • 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 write to:

    General Services Administration
    National Personnel Records Center
    Civilian Personnel Records
    111 Winnebago Street
    St. Louis, Missouri 63118

    You should provide the following information in your request:

    • your name, as shown on your payroll records;
    • date of birth;
    • Social Security Number;
    • mailing address;
    • years for which earnings are needed;
    • name and location of employer for each year;
    • reason for request;
    • written signature; and,
    • a statement that all other sources of information have been exhausted.
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  • In many cases, after receiving the report of a retiree's death, we can start monthly payments to those who are eligible based on the records we have on file. In every case, we will tell you what benefits are payable and provide the necessary forms and help to apply for benefits.

    If you are the survivor of an employee who has passed away while working for the Federal Government, please contact the personnel office of the Federal agency where the employee worked. You should complete the following form-

    If the employee was covered under the Civil Service Retirement System (CSRS) at the time of death:

    Application for Death Benefits/CSRS, Standard Form (SF) 2800 [806 KB]

    If the employee was covered under the Federal Employees Retirement System (FERS) at the time of death:

    Application for Death Benefits/FERS, Standard Form (SF) 3104 [741 KB]

    If you are the survivor of an employee who has passed away after separating from a position with the Federal Government under the Federal Employees Retirement System (FERS), but before receiving any retirement benefits, you should file the following form-

    Application for Death Benefits/FERS, Standard Form (SF) 3104 [741 KB]

    Attach any other forms and/or evidence as the application or circumstances require. Attach a copy of the employee’s death certificate and a copy of the certificate of the marriage to the widow or widower. Give the application to the personnel office. A widow or widower who is claiming benefits for himself or herself and on behalf of children should file one application.

    If a lump sum payment is due following the death of someone who passed away after leaving Government service but before retirement, please complete the Application for Death Benefits, Standard Form (SF) 2800 [806 KB] and attach any other forms and/or evidence as the application or circumstances require. Send it to this address.

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  • 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.

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  • 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.
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  • You should resolve any financial indebtedness to your agency. Examples of causes for indebtedness include:

    • outstanding travel advances,
    • overpayments of salary,
    • indebtedness for failure to return government property or for damage to government property, or
    • advanced leave.
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  • If you are a federal retiree, contact OPM’s Retirement Office at 1-888-767-6738 or retire@opm.gov 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.

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  • 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.

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