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Retirement Services Retirement FAQs

Go to our new customer support center to get answers to top questions, learn about popular topics, and find resources for more support.

  • We only withhold Federal income tax.  You may find that the Federal income taxes withheld from your first interim payment will be higher than the Federal tax withholdings from your subsequent interim payments and regular annuity.  We will make any necessary tax withholding adjustment when we finish processing your application.  Your health and life insurance coverage will continue while you are receiving interim pay.  We will begin withholding health and life insurance premiums retroactive to the commencing date of your annuity, when we finish processing your application.
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  • Cost-of-Living Adjustments are effective each December first. The adjustment appears in your payment on the first business day of January, which is when your benefit for December is paid. Federal Employees Retirement System (FERS) and FERS Special 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.
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    • 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.
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  • When OPM receives your retirement application from your Agency, we mail you a Welcome Letter, along with a retirement card, which contains your CSA number.  It's a seven digit number and will be included on all correspondences from OPM.  If you are a survivor, OPM will issue you a CSF number after we process the notification of death.  It, too, is a seven digit number and will be included on all correspondences from OPM.  We will mail you a password which will give you access to your annuity online at Services OnLine.  You'll need your CSA (or CSF) and password in order to access the site.  Remember:  When logging onto Services OnLine, follow the tips for entering your claim number in the logon box. Retiree: If you are a retiree, the first letter you type in the claim number box is capital “A”, type your 7 digit claim number, then type in a zero. Example: A12345670 Survivor: The first letter you type into the claim number box is capital “F”, type your 7 digit claim number, then type in a “W”. Example: F1234567W
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  • To understand the concept of Phased Retirement, consider two half-time employees who fill one full-time job.  Employee one retires while employee two continues working.  Employee one receives an annuity based on half-time employment, and employee two continues to work half-time for half-pay.  Eventually, employee two retires, and receives an annuity based upon half-time service, including credit for the time worked after employee one retired.  Now assume that employee one and employee two are the same person.  That is in essence how Phased Retirement operates.  While there are additional computational details, these are the basics.  At entry into Phased Retirement, the employee’s annuity will be completed as if fully retired and then divided by two.  That annuity would be paid while the individual worked a half time schedule receiving half pay.  When the Phased Retiree fully retires, there will be a computation of the annuity that would be payable if the employee had been employed full time and then divided by two prior to adjustment for survivor benefits.  That amount would then be added to the original Phased Retirement Annuity, and that combined amount would then provide the basis for survivor annuity adjustment and benefits. The individual’s income during partial and full retirement appropriately reflects the individual’s situation.  During the partial retirement period, the income will be between full retirement and full employment, and the Phased Retiree would be increasing their lifetime retirement income.  At the time of full retirement, the individual would be appropriately compensated for the value of both full-time and part-time service, with an annuity greater than if they had fully retired at the time of transition to Phased Retirement, but less than if the individual had continued employment on a full-time basis during the period of Phased Retirement.
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  • Your personnel office must take the following actions to process your retirement application:
    • Complete the "Agency Check List of Immediate Retirement Procedures," Standard Form 2801, Schedule D (CSRS) or 3701, Schedule D (FERS);
    • Prepare and obtain your signature on the "Certified Summary of Federal Service," Standard Form 2801-1 (CSRS) or 3701-1 (FERS);
    • Verify any service not fully documented in your OPF; [Note:If documentation is missing, verification may be obtained by contacting federal record centers. If the personnel office is unable to obtain verification, we will complete verification upon receipt of your retirement application and records. This process will cause a delay in processing of your claim.]
    • Certify and transfer your coverage under the Federal Employees' Group Life Insurance (FEGLI) program to OPM;
    • Transfer your enrollment under the Federal Employees' Health Benefits (FEHB) program to OPM;
    • Prepare Standard Form (SF) 50, "Notification of Personnel Action."; and
    • Send all of your retirement materials to your payroll office.
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  • Your retirement contributions are not taxable, but interest included in the payment is taxable. You should contact the Internal Revenue Service for additional tax information.
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  • Yes, but you will receive only a portion of the first increase payable. We will prorate the first increase based on how long you were retired before it is given. At that time, we will send you a notice explaining the increase. Federal Employees Retirement System (FERS) cost of living increases are not provided until age 62, except for disability and survivor benefits. Read about this year's cost-of-living adjustment for those who receive benefits under the Civil Service Retirement System and the Federal Employees Retirement System.
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  • No unused sick leave can be used in the computation of the Phased Retirement annuity.  However, at full retirement the unused sick leave will be taken into account.  While the computational provisions are somewhat complex, the value of the sick leave in that computation will be the same as for an individual retiring from a full-time position.
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  • We will send you a personalized statement titled "Your Federal Retirement Benefits". It details, among other things, how much your monthly payment will be. It also confirms such things as health and life insurance coverage, and provides information you will need to prepare your tax returns.
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Total Count: 240, Number of Pages: 24, Page: 4
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