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An official website of the United States Government.

Retirement Services My Annuity and Benefits

 

Overview

As a Federal annuitant receiving monthly benefits you can browse the listings below to see how to manage your monthly annuity benefits online.

The Online Services section lists the websites that OPM provides for annuitants to manage their monthly annuity benefits.

The Report a Missing Payment or Death sections provides online access to submit information on missing payments and the ability to report the death of anyone receiving a regular monthly payment from OPM.

Voluntary Annuity Allotments are withholdings that can be withheld from your monthly annuity benefit. Federal and State Tax and Financial Allotments are examples of Voluntary Annuity Allotments. The election to make an allotment or withholding change can be made online with Services Online.

Other Information of Interest section lists information about cost of living increases, information on life changing events after retirement, and important dates for annual mailings and the last day to make changes to your monthly annuity.

Online Services

Report a Missing Payment or Death

  • Missing Payment(s) – Notify the Office of Personnel Management of a missing payment.
  • Report of Death – Report Death of Federal employees, retirees and survivors

Voluntary Annuity Allotments

Other Information of Interest

 
 

Payment Schedule

The U.S. Department of Treasury has made changes affecting payment of federal benefits. These changes will soon require anyone who receives a federal benefit to change to Direct Deposit or a Direct Express debit card. If you don't sign up with us now, you'll be informed by the U.S. Department of Treasury about the phase out of paper checks and their replacement with the Direct Express debit card.

Currently, more than 95% of Federal retirees and survivors receive their payments by Direct Deposit. Direct Deposit is safe, reliable, and convenient. You have no worries that your paper check could be delayed in the mail, lost, or stolen. Payment is always made the first business day of the month.

Currently we can make payment by Direct Deposit into your account in a bank, credit union, savings bank, or thrift institution. Many financial institutions offer basic, low-cost accounts, as well as full-service accounts. To help you sign up for Direct Deposit, we are providing many options:

  1. You can make your change on your online retirement account at Services Online.
  2. You can fax a SF 1199A form to 724-794-6633. This form can be obtained from your financial institution.
  3. You can mail a SF 1199A form to OPM, Retirement Operations, PO Box 440, Boyers PA 16017-0440.
  4. You can call us at 1-888-767-6738, please be sure to have your bank routing number and account number handy.
  5. You can visit www.GoDirect.org, FAQ's about GoDirect, or call GoDirect at 1-800-333-1795.
 
 

Savings Bonds

The Office of Personnel Management no longer withholds for the purchase of paper savings bonds. Individuals may continue to purchase, manage, and redeem electronic EE or I Bonds safely through a personal TreasuryDirect account.

Consider these additional benefits when you open a TreasuryDirect account

  • You can purchase and redeem your savings bonds online
  • You can view and track your purchases and account activity online
  • You can access and print detailed information about your current holdings 24 hours a day
  • In the future, you will also be able to purchase Treasury bills, notes and Treasury Inflation-Protected Securities (TIPS) through the same TreasuryDirect account.

Why is the U.S. Treasury offering you this new way of purchasing savings bonds?

Like most providers of financial products and services, the U.S. Treasury is working hard to modernize its programs and make them more attractive to the growing number of individuals who prefer electronic investments they can manage themselves online, with 24-hour access.

We strongly support the U.S. Savings Bonds Program. You can use this program to finance children's education, supplement your future retirement income, or save for any other purpose- all backed by the full faith and credit of the United States. As with the previous paper saving bond program, TreasuryDirect provides you with a convenient way to save.

Through an annuity deduction, just like one you would use to contribute to a bank or credit union account, you can transfer funds to your TreasuryDirect account and purchase savings bonds.

We encourage you to visit www.treasurydirect.gov for more information and a guided tour of site.

Cost-of-Living

Current Cost of Living Adjustments (COLA)

Retired Federal employees and entitled surviving family members of deceased Federal employees and retirees will receive a Cost-of-Living Adjustment (COLA) effective December 1, 2020, which will be reflected in their benefit payable January 2, 2021.

Under the Civil Service Retirement System (CSRS) and the Organization Retirement and Disability System (ORDS), the COLA will be 1.3 percent for those who have received benefits for at least one year. The 1.3 percent increase was determined by computing the percentage increase in the Consumer Price Index (CPI) for urban wage earners and clerical workers from the third quarter average of 2019 to the third quarter average 2020, as provided by the U.S. Department of Labor, Bureau of Labor Statistics.

Under the Federal Employees Retirement System (FERS) and FERS Special, the COLA will be 1.3 percent for those who have received benefits for at least one year. This amount was derived from the same CPI comparison as CSRS.

FERS and FERS Specials Cost-of-Living Adjustments are not provided until age 62, except for disability, survivor benefits, and other special provision retirements. FERS disability retirees get the adjustment, except when they are receiving a disability annuity based on 60 percent of their high-3 average salary. Also, under FERS, if you have a CSRS component, the component is subject to the CSRS COLA calculation. FERS survivors receive the FERS increase on their entire annuity, even where component service is involved.

To get the full COLA, a retiree or survivor annuity must have begun no later than December 31, 2019. If not, the increase is prorated under both retirement plans. Prorated accounts receive one-twelfth of the increase for each month they received benefits. For example, if the benefit commenced November 30, 2020 the prorated COLA would be one-twelfth of the full COLA.

Under both retirement plans, benefits are paid on the first business day of the month after the month in which they accrue. Benefits which accrue in December 2020 are payable on January 2, 2021.

A benefit will not be increased if it would cause the annuitant to receive payments in excess of any cap amount specified by law.

Note:

The minimum COLA increase is $1.00. Even if the full CSRS COLA rate of 1.3% or FERS COLA rate of 1.3% a prorated COLA would result in the annuity rate not increasing, $1.00 is still added to the monthly rate.

The tables below show the actual prorated percentages that apply, under both CSRS and FERS according to the month in which the annuity began.

Civil Service Retirement System (CSRS) and Organization Retirement and Disability System (ORDS)
Monthly Annuity Commenced Proration Percentage Increase
December 2019 Full December 1, 2019, increase 1.3%
January 2020 11/12 of full December 1, 2019, increase 1.2%
February 2020 10/12 of full December 1, 2019, increase 1.1%
March 2020 9/12 of full December 1, 2019, increase 1.0%
April 2020 8/12 of full December 1, 2019, increase 0.9%
May 2020 7/12 of full December 1, 2019, increase 0.8%
June 2020 6/12 of full December 1, 2019, increase 0.7%
July 2020 5/12 of full December 1, 2019, increase 0.5%
August 2020 4/12 of full December 1, 2019, increase 0.4%
September 2020 3/12 of full December 1, 2019, increase 0.3%
October 2020 2/12 of full December 1, 2019, increase 0.2%
November 2020 1/12 of full December 1, 2019, increase 0.1%
Federal Employees Retirement System (FERS) and FERS Special
Monthly Annuity Commenced Proration Percentage Increase
December 2019 Full December 1, 2019, increase 1.3%
January 2020 11/12 of full December 1, 2019, increase 1.2%
February 2020 10/12 of full December 1, 2019, increase 1.1%
March 2020 9/12 of full December 1, 2019, increase 1.0%
April 2020 8/12 of full December 1, 2019, increase 0.9%
May 2020 7/12 of full December 1, 2019, increase 0.8%
June 2020 6/12 of full December 1, 2019, increase 0.7%
July 2020 5/12 of full December 1, 2019, increase 0.5%
August 2020 4/12 of full December 1, 2019, increase 0.4%
September 2020 3/12 of full December 1, 2019, increase 0.3%
October 2020 2/12 of full December 1, 2019, increase 0.2%
November 2020 1/12 of full December 1, 2019, increase 0.1%
 
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