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Frequently Asked Questions Retirement

Post-Retirement

  • 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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  • 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 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 the surviving spouse of a deceased retiree, recurring monthly payments may be made to you if your spouse elected a reduced annuity to provide the benefit. To qualify for the monthly benefit, you must have been married to the retiree for at least nine months. A survivor annuity may still be payable if the retiree's death occurred before nine months if the death was accidental or there was a child born of your marriage to the retiree.

    A court order awarding a former spouse a survivor annuity may prevent us from paying you the portion of the annuity awarded under the court order. However, if otherwise eligible, you may receive the complete annuity if the former spouse loses eligibility for benefits.

    Read about survivor benefit elections.

    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.

    See how the amount of the monthly survivor benefit is determined.

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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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  • You should call us at (202) 606-0222. If we do not have a court order for child support, alimony, or bankruptcy, you can send a facsimile to us at (202) 606-7958 when a garnishment is involved. We need a certified copy of the court order and other supporting documents when an apportionment or survivor annuity is involved.
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  • Services Online is our online tool for annuitants.  You will need your CSA or CSF number and a password.  If this is your first time using Services Online, you will need to setup your personal security questions. 

    Using Services Online, you can:

    • View and print your annuity statement
    • Start or change direct deposit and/or change financial institutions
    • Start or change Federal Income Tax withholding
    • Update your mailing address
    • Update your email address
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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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  • You can cancel or decrease your coverage at any time. You cannot increase your coverage.
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  • If you were under 62 when your disability benefit began, and were not eligible for a voluntary immediate benefit, your benefit will be recomputed after you have been retired for 12 months. The recomputed annuity will be 40 percent of your high-3 average salary minus 60 percent of your monthly Social Security benefit, or your earned benefit, whichever is higher.

    At age 62, your benefit is recomputed as though you had continued working until age 62. (Your average salary is increased by all FERS Cost-of-Living Adjustments paid while you were disabled.)

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