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Retirement FAQs Post-Retirement

  • A court order following annulment of marriage, legal separation, or divorce can divide or apportion your annuity. The order must expressly direct OPM to pay a portion of your monthly benefit. The spouse's share must be stated as a fixed amount, a percentage or fraction of your annuity, or by a formula with a readily apparent value. The amount cannot exceed the money payable to you after deductions for taxes and insurance. A court order may provide for payment of all or part of a refund of your retirement contributions. It may also block the refund payment, but only if the order directs us not to pay the refund and grants a survivor annuity or a portion of your annuity to a legally separated current spouse or former spouse.
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  • Unmarried children who are dependent upon the retiree may receive recurring monthly benefits. We consider a child dependent if he or she:
    • was born within marriage to the retiree:
    • is an adopted child who meets all of the following conditions:
      • the child lived with the deceased retiree, and
      • the deceased filed a petition to adopt the child, and
      • the child was adopted before the retiree’s death or by the surviving spouse after the retiree died;
    • is a stepchild or recognized child born out out-of-wedlock who was living with the retiree in a parent and child relationship when the retiree died; or
    • is a recognized child born out-of-wedlock for whom a judicial determination of support has been obtained.
    We consider the child dependent if there is proof that the deceased made regular and substantial contributions to the child's support. Refer to information about a child's continuing eligibility after age 18. See how the amount of children's benefits is determined.
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  • Under the Federal Employees Retirement System (FERS), you will be given the opportunity to pay for temporary service prior to January 1, 1989. Under the Civil Service Retirement System (CSRS), if you had service on/after October 1, 1982, for which no contributions were made, we will give you the opportunity to pay the contributions, and will tell you what difference it makes to your monthly benefit. If you had unpaid service prior to October 1, 1982, we do not notify you before we finish processing your application because it generally is not to your advantage to make the payment.
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  • After logging in to SOL (https://www.servicesonline.opm.gov/) 1)       Select Request a Duplicate Form 1099-R.  2)       You can elect to have a duplicate mailed to you or you can view/print the form. 3)       At the Request for Duplicate Form 1099-R window, select View or Print (bottom of the window) 4)       Select the year for which you want a 1099R and 5)       Select view pdf.  The 1099-R will open in a new window, as a pdf.  If you want to print the 1099R, select File from the new window, scroll down and select Print. You can print current year and two previous years 1099R at Services Online. Note:  If you don’t have a claim number and password for Services OnLine, you can email retire@opm.gov or call Retirement Information office at 1-888-767-6738 for a duplicate copy of your 1099R.  You will need your CSA or CSF number (or Social Security Number) and date of birth.  Make sure your mailing address is correct!
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  • A monthly survivor annuity may be payable to a former spouse after the death of the employee or annuitant if it is provided by a court order or the annuitant's election. If the survivor annuity is based on an annuitant's election, the amount is determined in the same manner as the amount due a current surviving spouse. However, if the employee has remarried, this election may only be made if the current spouse consents to it. The amount of a court-ordered survivor annuity is based on the court order. A court order may provide the maximum survivor annuity, a lesser amount, or a fraction of the maximum survivor annuity.
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  • Cost of living allowances are determined by Congress.  The amount and whether a COLA is given depends on legislation passed by Congress.
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  • When a benefit recipient signs up to receive Social Security, Supplemental Security Income, VA  or other federal benefits via the Direct Express® card, their payment will be automatically deposited to their Direct Express® card account on payment date. The card can be used to make purchases at stores that accept Debit MasterCard®, pay bills, purchase money orders for the U.S. Post Office, and get cash from an ATM or financial institution that displays the MasterCard® acceptance mark.   For instance, if the recipient’s benefit payment is $500 monthly:
    • On payment date, $500 is deposited directly to the card. There is nothing for the recipient to do. There are no fees for depositing the full amount to the card.
    • On that same day, if the recipient spends $100 at the grocery store using the Direct Express® card, $100 is automatically deducted from their balance. They now have $400 left on the card. There is no fee charged for using the card to make purchases. Throughout the month, as purchases are made, each purchase amount is deducted from the card account’s current balance (in this instance, $400).
    • If the card balance gets down to $0, the card will be denied for all future purchases until it is reloaded with next month’s benefit payment.
    • If the recipient only spends $250 in this month, the remaining $250 will be added to the next month’s $500 benefit payment. The recipient now has $750 on the card the next month.
      (Visit www.GoDirect.org for more information about fees and the surcharge-free network.)
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  • If you are a surviving child of the enrollee and the enrollee also has a surviving spouse or child eligible to receive a CSRS or FERS survivor annuity benefit, you can be covered under the survivor annuitant’s  Self and Family enrollment until age 26. You can continue coverage beyond age 26 if you are incapable of self-support because of a mental or physical disability that existed before age 26.  If you are a surviving child of the enrollee who is eligible for a CSRS or FERS survivor annuity benefit and the enrollee has no other survivors, the enrollment will be changed to a self only enrollment in your name. You will be responsible for paying the premiums either by having them withheld from your survivor annuity or through direct billing.  You can continue this FEHB coverage until your survivor annuity ends at age 18, or age 22 if you are a full-time student.  You can continue coverage beyond age 18 if you are incapable of self-support because of a mental or physical disability that existed before age 18. Your coverage will continue for 31 days after eligibility ends, unless the enrollment is cancelled. During that time, you may enroll in Temporary Continuation of Coverage (TCC) or convert to an individual policy offered by your FEHB plan.
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  • The IRS is responsible for the changes to the Federal income tax withholding tables. The Office of Personnel Management (OPM) has no control over the Federal income tax withholding tables. OPM used the tables provided by the IRS, which are set in law by the United States Congress.
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  • Yes. If your disability benefit stopped because you were found recovered either medically or administratively, your benefit can resume only if the disability recurs and you do not exceed the 80 percent earnings limitation. If your disability benefit stopped merely because you exceeded the earnings limitation, your benefit can resume effective the first of the year after you no longer exceed the 80 percent earnings limit.
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  • Refer to information about payments and about address and withholding changes.
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  • The 1099Rs are mailed during the last week of January. We are required by law to make the 1099R available to over 1.9 million annuitants, survivor annuitants, heirs and assignees of deceased annuitants by January 31st of each year. We also upload these 1099Rs to our Services Online website.
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  • When you become eligible for Social Security, your military service after 1956 will be used in the computation of your Social Security. Unless you paid a deposit, prior to retirement, for your military service after 1956, it will no longer count toward your retirement benefit. However, if you did pay the deposit, no adjustment to your retirement benefit is made at age 62.
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  • OPM can refund Federal and/or state income tax withholding ONLY for the current year.  To request a refund, you can email us at retire@opm.gov or call us at 1-888-767-6738.  Remember to provide your CSA or CSF claim number or full SSN.  We can issue a refund of the monies withheld in the current year ONLY.  If you want a partial reimbursement, let us know the exact amount (no percentage) AND provide the exact period (for example 5/10/2011 to 12/31/2011).  Normally, the refund is issued as a separate payment. We cannot refund tax withholding for previous tax years.    To request a refund of your withholdings for previous tax years, please contact the IRS at 1-800-829-1040 for Federal tax withholding refund and your State Revenue Office for state tax withholding refund.  If we are not currently withholding State tax, you must call your State Tax office for a refund.  Find  your State Revenue Office here
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  • Electronic payments, which allow for the exchange of funds through paperless methods, are safer, easier and more reliable than paper checks. Direct deposit is the electronic transfer of a payment from a company or organization into an individual's checking or savings account. When a recipient gets their federal benefit payment electronically, the U.S. Department of the Treasury sends an electronic message to their bank or credit union account or to their Direct Express® card account crediting their account with the exact amount of their benefit. The difference is, a check isn’t printed or mailed. The government and businesses use direct deposit to transfer millions of dollars every day.   (Visit www.GoDirect.org for more information about fees and the surcharge-free network.)
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Total Count: 201, Number of Pages: 14, Page: 5
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