Frequently Asked Questions Retirement

If you are a widow or widower of an individual who died as an employee or retiree, your survivor annuity begins on the day after the employee's or retiree's death. If you are a widow or widower of a former FERS employee who was separated from Federal service when he/she died, but had not yet retired, your annuity begins on the date the deceased former employee would have been eligible for an unreduced annuity.  You have the option to begin receiving the benefit at a lower rate on the day after the former employee’s death. 

If you are eligible for benefits and we are unable to pay you because a former spouse is entitled, your annuity would begin the day after the former spouse loses entitlement to benefits.

If you are eligible for a survivor annuity because of your insurable interest in the life of the annuitant, your survivor annuity begins on the day after the annuitant's death.

If you are a former spouse who was awarded a survivor annuity based on a court order, your survivor annuity begins to accrue on whichever day is later: the day after the employee's or retiree's death or the first day of the second month after we receive a certified copy of the court order along with any additional necessary supporting documentation. If you are a former spouse who is eligible for benefits based on the retiree's election of a reduced annuity to provide the benefit, your annuity begins to accrue the day after the retiree's death. If you are eligible for benefits and we are unable to pay you because another former spouse is entitled, your annuity would begin the day after the former spouse loses entitlement to benefits.

If you are a child of a deceased employee or annuitant, your survivor annuity begins to accrue on the day after the employee's or retiree's death.

If you are receiving regular payments and you have not received your temporary numeric password or you have lost your current password. Select the Forgot Claim Number/Password from the SOL Home page within the Login box. You can request a password by either Email or by Mail. To receive a password by email, you must have an email address on file within SOL and you must have already established and be able to answer your personal security questions.

For security reasons, you cannot use the online password request system to request a temporary password if your account has not been accessed within a 15 month period or if your account has been deactivated. You must contact our Retirement Operations Center at 1-888-767-6738 and speak to a customer service agent to request a new password.

Do not request a new Password if:

• You have already requested a password by mail within the last 7 days or, for requests by email, if you have requested a password by mail within the last 4 days.
• You have called the Retirement Operations Center and requested a new password
• You have already requested a password by email within the last 24 hours.

By requesting a new password in any of the above instances, you will further delay your access to SOL.

• The benefit is not reduced if it begins after your 60th birthday and you have at least 20 years of service or you reach the Minimum Retirement Age and have 30 years of service. Delay of the benefit can be used to avoid all or part of the reduction for retirement before age 62 that would otherwise have been applied.
• Your life insurance enrollment will stop until the annuity begins. Once the annuity begins, the life insurance coverage you had when you stopped working will resume if you are eligible.
• Your health benefits can be temporarily continued under the Temporary Continuation of Coverage for 18 months. You must pay the full cost of coverage, including both the employee and government shares, plus a two percent administrative charge. Your employer will collect the premiums and maintain this coverage.
• When your payments begin, if you are otherwise eligible to continue coverage, you can again enroll in the Federal Employees Health Benefits (FEHB) program and we will pay the government share of the premiums.
• If you do not file an application before your death, the rights of your surviving family members would be protected because you would be considered a retiree.