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Support center / Learn more about cost-of-living adjustments (COLA)

Learn more about cost-of-living adjustments (COLA)

FAQs and answers about cost-of-living adjustments (COLA) for federal annuitants (retirees, their survivors, or their spouses, ex-spouses, and children).

Questions and answers

Yes. We make cost-of-living adjustments each year to the amount we pay to annuitants.

Most retirees are eligible for COLA starting at the age of 62 under one of these federal retirement programs:

  • Federal Employees Retirement System (FERS)
  • FERS Special
  • Civil Service Retirement System (CSRS)
  • Organization and Disability Retirement System (ORDS)

Certain retirees, like disability, survivor, and other special provisions, have different COLA entitlement rules.

For the year 2021, annuitants will receive a 1.3 percent increase. The rate varies each year.

If a COLA is payable, we make the change in December of each year. You'll receive the adjusted payment in January, the following month.

Yes, children, students up to age 22, and survivors are eligible for the cost of living increase.

Yes, but you'll receive a prorated amount. We'll send you a letter explaining your increase. FERS annuitants under age 62 are not eligible for COLA increases unless certain conditions are met.

Learn more about prorated COLA rates

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Call us if you can't find an answer to your question on or if you can't sign in to OPM Retirement Services Online to manage your annuity account. You may also need to call us for special or complex cases, or because we directed you to.

Phone: 1-888-767-6738
TTY: 711

Hours: Monday thru Friday, 7:40 a.m. to 5:00 p.m. ET
Closed on federal holidays

Our busiest time is between 10:30 a.m. and 1:30 p.m. ET.

Please make sure your first and last name, phone number, email address, claim number, and signature are included in any inquiries or documents you mail to us. We usually respond within 1 to 3 weeks after we receive your mail.

Retirement Operations Center
U.S. Office of Personnel Management
Post Office Box 45
Boyers, PA 16017

You can meet with one of our Customer Service Specialists in person. We serve walk-ins on a first come, first served basis—no appointment necessary.

Retirement Services Support Center
U.S. Office of Personnel Management
1900 E. Street, NW
Room 1323
Washington, DC 20415

Hours: Monday thru Thursday, 8:00 a.m. to 4:00 p.m. ET
Friday, 8:30 a.m. to 3:00 p.m. ET
Closed on federal holidays

OPM Retirement Services does not have a main fax number.

You should only fax us documents if an official OPM form or one of our Customer Service Specialists asks you to (the fax number will be provided on the form, or the Customer Service Specialist will provide you one.) Otherwise, you should mail us your documents.