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Voluntary contributions are payments made to the retirement fund in addition
to the deductions that are withheld from pay. You can make these contributions
only if you are covered by the Civil Service Retirement System (CSRS) and do not
owe a deposit for a period of
time when deductions were not withheld from your pay. To make voluntary
contributions, you should submit a Standard Form 2804 to your employer.
You can make voluntary contributions in multiples of $25. Total contributions
cannot exceed 10 percent of your pay.
You can purchase additional annuity of $7 per year for each $100 of voluntary
contributions, plus 20 cents for each full year you are over age 55 when you
retire. By electing to take a reduction in the additional annuity, you can also
purchase additional annuity for a surviving spouse who may receive a benefit
after your death.
Interest is paid on voluntary contributions at the rate of three percent
annually until December 31, 1984. After that date, a variable interest rate is
compounded annually on December 31st until service ends or a refund is paid.
View the table of variable interest rates.
You can use voluntary contributions you made while working under the Civil
Service Retirement System to purchase additional annuity when you retire or you
can withdraw the contributions in a one-time payment.
Most people want to withdraw their voluntary contributions in a one-time
payment. If the amount of the voluntary contributions, plus interest, is more
than $200, you can roll the funds into an Individual Retirement Account (IRA) or
other qualified retirement plan to defer income tax.
If you want to withdraw your voluntary contributions, you should submit
either a Form RI 38-124 or Standard Form 2802 with the statement in item number
seven, "I want only my voluntary contributions to be refunded to me." You can
get these forms from your employer. You should submit your request at least 60
days before your expected retirement.
That depends on when you worked and whether you are covered by the Civil
Service Retirement System (CSRS) or the Federal Employees Retirement System
Make a selection from the list of circumstances below which best describes
your situation and ask your local personnel service center for assistance
because they have your employment records.
Your Official Personnel Folder should contain a record of all of your health
benefits registration forms, Standard Form 2809, and, if appropriate, Standard
Form 2810, Notice of Change in Health Benefits. Be sure that when you retire,
your records will show a complete history of your health insurance enrollment
for the last five years.
You may be able to receive retirement credit for active-duty military service
after 1956 if you make a payment for that service. You must make the payment
before you stop working for the government. You should ask your local servicing
personnel center for help in determining whether to make this payment. They can
provide personalized assistance because they have your employment records.
When you apply for retirement, you should list your workers compensation on
your application. Generally, you cannot receive workers' compensation and civil
service annuity payments at the same time. You must decide which benefit is most
advantageous and elect to receive that one. If you decide to receive workers'
compensation benefits, payments from the Office of Personnel Management will be
suspended. If your workers compensation benefit stops, you can ask us to pay
your civil service annuity.
You can continue to receive your civil service annuity payments when your
workers' compensation is for a Scheduled Award. If you missed work before
retirement for an on-the-job injury or illness and received workers'
compensation, generally, you can receive credit for time in the computation of
your civil service annuity.
You should review your designation of beneficiary for the lump sum payment of
retirement contributions when no one is eligible for monthly payments. This
designation is made on a Standard Form 2808 for the Civil Service Retirement
System (CSRS) or a Standard Form 3102 for the Federal Employees Retirement
System (FERS). Make sure the form shows the person or people you want
designated. If a copy is not available to review, you may wish to file a new
If you transferred to FERS, any prior designation you made for CSRS coverage
is canceled. You may wish to file a FERS designation. If you were automatically
transferred to FERS coverage from CSRS, your designation will remain in force.
If there is no designation of beneficiary, benefits will be paid in the
Your personnel officer will review the election opportunities to provide
benefits after your death to your husband or wife, ex-spouse, or another person
you designate as having an insurable interest in your continuing life. If you
do not provide for a monthly benefit after your death, your survivor will not be
able to continue coverage under the Federal Employees Health Benefits (FEHB)
program. The advisor will also cover the requirements that each survivor must
meet to qualify.
When making an election to provide a benefit after your death, you must
obtain your husband's or wife's written consent to provide less than the maximum
benefit allowed. To designate an insurable interest, you must have a physical
examination at your own expense.
You local personnel service center is the best place to begin. They can
provide personalized assistance and they have your employment records.
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