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Retirement FAQs

  • Survivor annuities are payable through the end of the month prior to the date of the event which caused the loss of eligibility. For example, if the remarriage or other event occurred in April, benefits would end on March 31. Survivor annuities payable to widows, widowers, and former spouses end if the survivor remarries before age 55 and was not married for at least 30 years to the deceased employee or annuitant. Widows, widowers, and former spouses who remarry after they reach age 55 continue to be eligible for survivor annuity benefits. The survivor annuity for a former spouse who is entitled because of a court order, ends if the terms of the court order are satisfied. Insurable interest annuities are payable for the life of the survivor. If an annuity to a surviving spouse ends for a remarriage, it can be restored if the remarriage ends. Before the benefit can be restored, the survivor must pay back any lump sum payment of retirement contributions, if applicable. Former spouse benefits that end because of a remarriage can never be restored. If you want your annuity restored, write to us and include a copy of the decree of divorce, annulment, or death certificate. Annuity benefits for children end when the child reaches age 18, marries, or dies. Survivor annuities are payable through the end of the month prior to the date of the event which caused the loss of eligibility. For example, if the child turns 18 on June 29, benefits would end on May 31. Benefits for student children, stop at the end of the month before the one in which the student child:
    • turns 22;
    • marries;
    • dies;
    • stops attending school;
    • transfers to a school that is not recognized;
    • changes to less than full-time attendance;
    • enters military service or a Government service academy; or
    • fails to submit certification of full-time school attendance.
    You must notify us immediately if any of the above events occurs to minimize the potential for an overpayment of benefits. Include your claim number and a copy of any appropriate record such as a marriage certificate.
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  • To qualify for payments from the Civil Service Retirement System (CSRS) or the Federal Employees Retirement System (FERS), you must submit a retirement application. They are available on our website, as follows: You should submit an application for immediate retirement as shown below.
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  • Please report it here: https://www.servicesonline.opm.gov/RSR/MissingPayment.  If you are unable to use the website, you can report it by contacting OPM’s Retirement Office at 1-888-767-6738 or retire@opm.gov.  The phone lines are open from 7:40 am to 5:00 p.m. (Eastern Standard Time).
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  • If it is within 30 days of your first regular annuity payment, you may file a new election in writing. You should send the election to:
    U.S. Office of Personnel Management Retirement Operations Center Post Office Box 45 Boyers, PA 16017  
    Your first regular monthly payment is the first one paid in an amount other than the estimated amount or the adjustment payment after we have computed your regular annuity amount. If you change your election to anything other than the maximum, you must obtain your spouse's consent or a waiver of the consent requirement. After the 30 day period has passed, you can change your election only under the following circumstances. If it is more than 30 days from the date of your first regular monthly payment, but less than 18 months from the beginning date of your annuity, you may change your decision not to provide a survivor annuity or you can increase the survivor annuity amount. You must request the change in writing at:
    U.S. Office of Personnel Management Retirement Operations Center Post Office Box 45 Boyers, PA 16017
    You must also pay a one-time payment representing the difference between the old and new election amounts. This one-time payment also includes a percentage of your annual benefit. The percentage is 24.5 percent of your annual benefit if you are changing from no survivor benefit to a full survivor benefit or 12.25 percent if you are changing from no survivor benefit to a partial one. Interest is also charged at the rates shown in this table. Your written election should include your claim number, the amount of your new survivor election, and your spouse's name, social security number, date of birth, and a copy of your marriage certificate
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  • You should ask for a form SSA-7004-PC, Request for Earnings and Benefit Estimate Statement, from your local Social Security Office or visit their website at http://www.ssa.gov. If you submit this form, you will get a statement that provides information on your future eligibility for Social Security benefits and estimates of these benefits at specified dates. These estimates do not reflect any reduction for the Government Pension Offset or the Windfall Elimination Provision (WEP).
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  • You can ask that your retirement contributions be returned to you in a lump sum payment. Or, you can wait until you are retirement age to apply for monthly retirement benefit payments. If you get a refund of your retirement contributions now, you will no longer be eligible to receive monthly payments when you reach retirement age. Refer to information about retirement eligibility.
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  • You should carefully read the information that is part of your retirement application, and complete and submit the forms.  You do not need to submit a separate letter of resignation.  A completed and signed retirement application is equivalent to a letter of resignation. If you are eligible for a retirement benefit, you should not resign, intending to submit a retirement application later. This is because if you die after separating but before filing the application no life insurance, no survivor benefit, and no survivor health insurance coverage would be available to your survivor(s). You should, however, complete all the other required "exit procedures." Read more about applying for retirement.
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  • You may receive a CSRS survivor annuity and social security payments. You may receive a FERS survivor annuity and social security payments.  However, if you are the survivor of a FERS retiree, you cannot receive the FERS survivor supplement if you are eligible for social security mother, father or disability benefits based on the deceased annuitant’s account.  Please contact the local office of the Social Security Administration for information about social security benefits. If you receive social security benefits based on your own employment, there may be a reduction in the social security benefit you receive based on your deceased spouse's service. Contact the Social Security Administration for more information about the Government Pension Offset at http://www.ssa.gov/pubs/10007.html. See the information below about benefits which may be payable to the surviving spouse of a deceased annuitant who was covered by the Civil Service Retirement System (CSRS) Offset program. Under these circumstances, a survivor may be eligible for both a CSRS annuity and social security benefits.
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  • When you get within one year of retirement eligibility, you should:
    • Confirm when you will be eligible to get a retirement benefit;
    • Decide when you want to retire;
    • Get information about other benefits to which you may also be eligible, such as Thrift Savings Plan payment options and any other entitlements based on employment, for example: Foreign Service, Social Security, pensions from private industry, and Individual Retirement Accounts (IRA). You should have a fairly comprehensive picture of all sources of your retirement income and when each is payable.
    • Tell your supervisor about your proposed retirement date. You should give sufficient notice to allow for planning for someone to take your place.
    • Attend a pre-retirement counseling seminar.
    • Make an appointment with your personnel officer to review your Official Personnel Folder (OPF) or its equivalent to make sure all your records are complete and accurate, all service is verified, and your insurance coverage is documented.
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  • OPM provides a federal tax calculator on our website, www.opm.gov/retire, that may assist you in determining the amount of Federal income tax to withhold. Please be advised that changing the amount of your Federal income tax withholding will not reduce your tax liability at the end of the tax year.
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  • Use Services Online to sign up for direct deposit, or to change the account or bank where your payment is sent. You will need your claim number and password to use the self-service website. You will be asked whether your account is a savings or checking account and to provide your account number and the routing number for your financial institution (found next to your account number on the bottom of your check). You should contact your financial institution for assistance in getting the routing number if you are not sure. When you make a change, we will mail you confirmation of the change. You can also call us or write us to sign up for direct deposit or change your account or bank. If you write, your letter should include your claim number. You can also use this form to sign up for direct deposit. Or, you can submit a Standard Form 1199A, "Direct Deposit Sign Up Form," which is available at your bank. When you change the account you use for direct deposit, keep the old account open until a payment is posted to the new account. This will prevent having the payment returned if there is a problem with the new account.
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  • Complete information pertaining to military service can be found in the CSRS/FERS handbook at www.opm.gov/retire/pubs/handbook/C022.pdf.  If you are a current employee, contact your personnel office for information.
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  • Use Services Online to:
    • start, change, or stop Federal and State income tax withholdings;
    • request a duplicate tax-filing statement (1099R);
    • change your Personal Identification Number (PIN) for accessing our automated systems;
    • establish, change, or stop an allotment to an organization;
    • change your mailing address;
    • start direct deposit of your payment or change the account or financial institution to which your payment is sent;
    • establish, change, or stop a checking or savings allotment; and
    • view a statement describing your annuity payment.
    You can also call our toll-free number 1 (888) 767-6738 , for these and many of your voluntary withholdings. When using our self-service systems, you need your claim number, Personal Identification Number (PIN), and social security number. If you do not have a PIN, call us. If you do not have a touchtone telephone, you can speak to a Customer Service Specialist. Generally, in the middle of month, we authorize payments that are due for the first business day of the following month. Therefore, if you want your change to be reflected in your next payment, you should submit your request as early in the month as possible. See our payment schedule for the last date you can change your next monthly payment.
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  • Survivors of Annuitants Under the Civil Service Retirement System (CSRS)- The maximum annuity for a spouse who survives an annuitant is 55 percent of the annuitant's benefit before it is reduced by the cost of the election to provide the survivor benefit. Generally, this equals 60 percent of the annuitant's current gross annuity. The survivor annuity will be less if the annuitant elected at retirement to provide less than the maximum benefit. For example, if an annuitant whose unreduced annual benefit is $31,003.24 elected to provide the maximum benefit, the survivor annuity would equal $31,003.24 x 55 percent = $17,051.78. Survivors of Employees Under the Civil Service Retirement System (CSRS)- The annuity payable to the surviving spouse of an employee whose death occurs while employed with the Federal Government is 55 percent of the annuity computed as if the employee had retired on disability as of the date of his or her death. An employee's surviving spouse receives 55 percent of the higher of:
    • An annuity computed under the formula based on the employee's service, salary, and sick leave. Refer to Civil Service Retirement System (CSRS) Computation for information about the computation of an employee's annuity.
    • A guaranteed minimum annuity which is the lesser of:
      • Forty percent of the employee's high-3 average salary; or
      • The regular annuity obtained after increasing the employee's length of service by the period of time between the date of the employee's death and the date he or she would have reached age 60.
    If, at the date of the employee's death, he or she was a law enforcement officer or firefighter who had at least 20 years of service as a law enforcement officer, firefighter or nuclear materials courier, the surviving spouse would receive 55 percent of the annuity computed under the special provisions for law enforcement officers, firefighters and nuclear materials couriers. If the employee performed service as a law enforcement officer or firefighter but was not employed in such a capacity at the time of his or her death; or, if he or she was a law enforcement officer or firefighter but was not age 50 with at least 20 years of law enforcement service or firefighter service, survivors can receive an annuity computation that is enhanced for the law enforcement or firefighter service on a pro-rated basis. If, at the date of the employee's death, he or she was age 50 and had performed at least 20 years of air traffic controller service; or, regardless of age, had at least 25 years of air traffic controller service, the surviving spouse receives 55 percent of an annuity computed under the special formula for air traffic controllers. Survivors of Annuitants Under the Federal Employees Retirement System (FERS)- Monthly Annuity- The maximum monthly annuity for a spouse who survives a FERS annuitant is 50 percent of the annuitant's benefit before it is reduced by the cost of the election to provide the survivor benefit.   The survivor annuity will be 25% of the annuitant’s benefit, if the annuitant elected at retirement to provide a partial survivor benefit. For example, if an annuitant whose unreduced annual benefit is $31,003.24 elected to provide the maximum benefit, the survivor annuity would equal $31,003.24 x 50 percent = $15,501.62. Survivors of Employees Under the Federal Employees Retirement System (FERS)- Monthly Annuity- The monthly annuity payable to the surviving spouse of an employee whose death occurs while employed with the Federal Government is 50 percent of the annuity computed as if the employee had retired as of the date of his/her death. The monthly annuity payable to the surviving spouse of the employee is 50 percent of the annuity computed under the special formula for law enforcement officers, firefighters, and air traffic controllers if, at the date of death, the employee was:
    • Age 50 or older and had at least 20 years of law enforcement, firefighter and/or nuclear materials courier service, or 20 years of air traffic controller service; or
    • Was any age with at least 25 years of law enforcement, firefighter or nuclear materials courier service, or 25 years of air traffic controller service.
    Basic Employee Death Benefit- Amount of the Basic Employee Death Benefit:
    • 50% of the employee’s final salary (average salary, if higher), plus
    • $15,000 increased by Civil Service Retirement System (CSRS) cost-of-living adjustments beginning 12/1/87.  For deaths on or after 12/1/07, this amount is $28,093.53.  It will be updated by future CSRS cost-of-living adjustments.
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Total Count: 463, Number of Pages: 31, Page: 2
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