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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.

Post-Retirement

  • If you are in good health and you retire for reasons other than disability, you may elect to provide a survivor annuity to someone with an insurable interest. You can elect to provide an insurable interest benefit and the maximum benefit for a spouse or an ex-spouse. Spousal consent is not required. However, if you are married and elect an insurable interest benefit for your spouse, spousal consent is required. If you elect an insurable interest benefit, you are responsible for arranging for and paying the cost of any medical examination required to show you are in good health. A report of the medical examination should be included with your retirement application. You can elect to provide an insurable interest annuity only for someone who has an insurable interest in you. "Insurable interest" is an insurance term which applies to someone who would reasonably expect to derive financial benefit from your continued life. For survivor benefit election purposes, an insurable interest is presumed to exist if you name as beneficiary of the insurable interest, any of the following individuals:
    • a spouse;
    • a blood or adopted relative closer than first cousins;
    • an ex-spouse;
    • a person to whom you are engaged to be married; or
    • a person with whom you are living in a relationship that would constitute a common-law marriage in a jurisdiction that recognizes common-law marriages.
    If the person named is not one of the above, you should submit affidavits with your retirement application from one or more people with knowledge of the individual's insurable interest. The affidavits should state:
    • the relationship between you;
    • the extent to which the person named is dependent on you;
    • the reasons why the person named might reasonably expect to derive financial benefit from your continued life.
    The reduction to provide an insurable interest benefit is computed as follows:
    • If the person named is older, the same age, or less than 5 years younger than the retiree, the reduction is 10 percent;
    • If the person named is 5 but less than 10 years younger than the retiree, the reduction is 15 percent;
    • If the person named is 10 but less than 15 years younger than the retiree, the reduction is 20 percent;
    • If the person named is 15 but less than 20 years younger than the retiree, the reduction is 25 percent;
    • If the person named is 20 but less than 25 years younger than the retiree, the reduction is 30 percent;
    • If the person named is 25 but less than 30 years younger than the retiree, the reduction is 35 percent; or
    • If the person named is 30 or more years younger than the retiree, the reduction is 40 percent.
    The insurable interest automatically ends if the insurable interest dies, if you marry the insurable interest and elect to provide a spousal benefit, or if the named person is your spouse and you change your election to provide a spousal survivor benefit.
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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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  • 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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  • 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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  • 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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  • 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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  • 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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  • 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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  • 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 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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  • You may receive a survivor annuity and a separate benefit that is based on your own service. Generally, if you are the surviving spouse of more than one retiree, you must elect one of the benefits. We cannot pay you two survivor annuities. However, under certain circumstances, it is possible for a widow or widower to receive more than one survivor annuity simultaneously. If, after age 55, you marry a Federal employee and you are again widowed, you may be eligible to receive annuities based on the service of both of your spouses.
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Total Count: 201, Number of Pages: 14, Page: 3
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