How to Make a Payment
Payments to OPM’s Retirement Services can be made online through Pay.gov, providing faster processing and increased security. All online payments may be made using a bank account. Other payment methods may be accepted depending on the type of payment. Please select the link below that matches the type of payment you are making to OPM’s Retirement Services.
Active Employee Service Credit Deposit
A service credit deposit is the repayment of refunded retirement deductions from prior Civil Service Retirement System (CSRS) or Federal Employees Retirement System (FERS) service or payment for Federal service where retirement deductions were not withheld. The following Pay.gov form link is only for current employees with a CSD number.
Pay employee service credit deposit
Annuitant Service Credit Deposit
A service credit deposit is the repayment of refunded retirement contributions from prior CSRS or FERS service, or payment for Federal service where retirement deductions were not withheld. The following Pay.gov form link is only for annuitants with a CSA or CSF number.
Pay annuitant service credit deposit
Direct Payment of Retiree Life Insurance Premiums
Federal retirees whose monthly annuity is insufficient to cover the cost of their Federal Employees’ Group Life Insurance (FEGLI) premiums must make premium payments directly to OPM. This page is not for veterans making payments on their VA Life Insurance policy. Veterans should consult the Department of Veterans Affairs to make their premium payments. The following Pay.gov form link is only for OPM retirees who are paying life insurance premiums directly to OPM.
Voluntary Contributions
Voluntary contributions are optional payments made to the Civil Service Retirement and Disability Fund. The payments may later be used to purchase additional annuity at retirement. Only active employees covered under CSRS or CSRS Offset may make voluntary contributions, which can total no more than 10% of their aggregate lifetime earnings. A valid voluntary contribution account number (CSV) is required.
Make voluntary contribution deposit
Reclamation Debt Payment
A reclamation debt is a result of an overpayment sent to a deceased annuitant or survivor for the period between the date of death and when OPM is officially notified of the death.
Off-Roll Debt Payment
An off-roll debt is a result of an overpayment that cannot be collected from a monthly annuity payment. This normally occurs because the payee is no longer eligible for OPM benefits or elected another benefit (such as Office of Workers Compensation Programs).
Manual Repayment
A manual repayment allows an annuitant to make debt payments associated with a settlement/compromise agreement, annuity overpayment, or underpayment of health or life insurance premiums.