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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.
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.)
If your employer sends us your retirement records electronically, via the
Data Exchange Gateway (DEG), your account information for direct deposit will be
sent to us automatically. No further action from you is required. Otherwise,
include your request to receive your payments by direct deposit with your
retirement package. You can do this by submitting a letter or a Standard Form
(SF) 1199A with your application. You must get the SF 1199A, Direct Deposit
Sign-Up Form, from your financial institution.
Direct deposit is available to retirees residing in Canada but, generally, it
is not available to those whose permanent address for receiving payments is
outside the United States. However, retirees living outside the U.S. can arrange
to have their payments electronically deposited in a U.S. bank.
We keep a separate mailing address to periodically send you information about your retirement and health and life insurance benefits. You can see the current record of your mailing address on Services Online. Please notify us if this address changes.
(If you do not receive your payments through direct deposit, we ordinarily use the same address for mailings and payments.)
If you are in good health and you retire for reasons other than disability, you may elect to provide a survivor annuity to someone with an insurable interest. You can elect to provide an insurable interest benefit and the maximum benefit for a spouse or an ex-spouse. Spousal consent is not required. However, if you are married and elect an insurable interest benefit for your spouse, spousal consent is required.
If you elect an insurable interest benefit, you are responsible for arranging for and paying the cost of any medical examination required to show you are in good health. A report of the medical examination should be included with your retirement application.
You can elect to provide an insurable interest annuity only for someone who has an insurable interest in you. "Insurable interest" is an insurance term which applies to someone who would reasonably expect to derive financial benefit from your continued life. For survivor benefit election purposes, an insurable interest is presumed to exist if you name as beneficiary of the insurable interest, any of the following individuals:
If the person named is not one of the above, you should submit affidavits with your retirement application from one or more people with knowledge of the individual's insurable interest. The affidavits should state:
The reduction to provide an insurable interest benefit is computed as follows:
The insurable interest automatically ends if the insurable interest dies, if you marry the insurable interest and elect to provide a spousal benefit, or if the named person is your spouse and you change your election to provide a spousal survivor benefit.
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:
A court order related to your divorce or legal separation agreement can:
If you contributed to the Federal Employees Retirement System (FERS), you will get interest on the refund of those contributions if you worked more than one year. Interest is paid at the same rate that is paid for government securities. See the variable interest rates.
If you contributed to the Civil Service Retirement System (CSRS) while you worked, interest will be included in the refund of those contributions if you have more than one but less than five years of service. Interest is paid at three percent.
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