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Retirement FAQs Post-Retirement

  • 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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  • For more information regarding Federal income taxes, visit the IRS website at www.irs.gov or call the IRS on 1-800-829-1040.
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  • This list shows the possible withholdings from or adjustments to your CSRS or FERS annuity payment. The list provides a description of the withholdings or adjustments and the code that is used for listing them on your annuity adjustment notice. However, it does not include the enrollment codes for plans under the Federal Employees Health Benefits (FEHB) program. See our web pages at http://www.opm.gov/insure/health/index.asp to obtain information about health insurance benefits online.
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  • You should call us at (202) 606-0222. If we do not have a court order for child support, alimony, or bankruptcy, you can send a facsimile to us at (202) 606-7958 when a garnishment is involved. We need a certified copy of the court order and other supporting documents when an apportionment or survivor annuity is involved.
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  • A divorce, legal separation, or annulment court order may require that an employee or a retiree provide a survivor annuity for a former spouse. We will pay based on the court order after a death-in-service or after the death of an annuitant. If the benefit will be based on a court order, employees and retirees [or their former spouses] need to send us a court-certified copy of the court order. Send this to:
    U. S. Office of Personnel Management Retirement Services Program Court-Order Benefits Branch Post Office Box 17 Washington, DC 20044-0017
      If you are still working for the Federal Government, you should also provide a copy of the court order to your personnel or human resources office. All court orders involving garnishments or allotments of your payments from us must be sent to the address given above.
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  • 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:
    • View and print your annuity statement
    • Start or change direct deposit and/or change financial institutions
    • Start or change Federal Income Tax withholding
    • Update your mailing address
    • Update your email address
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  • If you are the surviving spouse of a deceased retiree, recurring monthly payments may be made to you if your spouse elected a reduced annuity to provide the benefit. To qualify for the monthly benefit, you must have been married to the retiree for at least nine months. A survivor annuity may still be payable if the retiree's death occurred before nine months if the death was accidental or there was a child born of your marriage to the retiree. A court order awarding a former spouse a survivor annuity may prevent us from paying you the portion of the annuity awarded under the court order. However, if otherwise eligible, you may receive the complete annuity if the former spouse loses eligibility for benefits. Read about survivor benefit elections. If no survivor annuity is payable upon the retiree's death, any remaining portion, representing either the remaining annuity and/or retirement contributions not paid to the retiree, is payable to the person(s) eligible under the order of precedence. See how the amount of the monthly survivor benefit is determined.
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  • You can cancel or decrease your coverage at any time. You cannot increase your coverage.
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  • 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.)
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  • Recurring monthly payments may be made to the former spouse of a deceased employee under a court order. A former spouse must also meet the nine month marriage requirement. For additional information about court-ordered benefits, refer to the pamphlet, "Court-Ordered Benefits for Former Spouses [7 MB]." See how the amount of the former spouse survivor benefit is determined.
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  • 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.)
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  • If you get married after retirement, you can elect a reduced annuity to provide a survivor annuity for your spouse. You must make this election within two years of the date of your marriage. Under the Civil Service Retirement System (CSRS), you can elect any portion of your annuity as a basis for the survivor benefit payable in the event of your death. Under the Federal Employees Retirement System (FERS), a full benefit is 50 percent of your unreduced annual basic annuity and a partial benefit is 25 percent of your unreduced annual basic annuity. If you remarry the same person to whom you were married at retirement, you cannot elect a survivor annuity greater than the one you elected at retirement. There will be two reductions in your annuity if you elect to provide the survivor benefit. One will be the reduction to provide the survivor benefit. The first reduction depends the amount you elect for the survivor annuity. Your annuity is also reduced by a permanent actuarial reduction equal to the difference between the new annuity rate with the survivor benefit and the old one without the survivor benefit since your retirement, plus 6 percent interest. In most cases, the actuarial reduction amount is less than 5 percent of your annuity. The actuarial reduction continues even if the marriage ends. When you contact us, we will send you a statement describing the cost of the election and ask you to confirm your election.
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  • If you are a federal retiree, contact OPM’s Retirement Office at 1-888-767-6738 or retire@opm.gov to check the status of your request.  The phone lines are open from 7:30 am to 7:45 pm (Eastern Standard Time). It is a busy phone number so we encourage you to call early in the morning or after 5:00 pm when the phone lines are less busy.
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  • The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act was passed by the United States Congress on December 16, 2010 and signed into law on December 17, 2010. As a result, the IRS published the tax withholding tables later than usual for 2011. OPM applied the tax tables as quickly as possible but there was not enough time to apply these tables to the January 3, 2011 annuity payments.
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  • A court order related to your divorce or legal separation agreement can:
    • Divide your annuity;
    • Divide a refund of your retirement contributions made when you leave federal service before retirement;
    • Permit your ex-spouse to continue health insurance coverage;
    • Require you to assign your life insurance;
    • Garnish your annuity to pay alimony, child support, in cases involving child abuse, or for Chapter 13 bankruptcy;
    • Award life insurance; or
    • Award a survivor benefit.
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Total Count: 201, Number of Pages: 14, Page: 3
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