OPM.gov / Retirement / How to Make a Payment

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- My Annuity and Benefits Toggle submenu   - Services Online
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- FERS Information Toggle submenu   - Eligibility
  - Computation
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  - Survivors
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- Pre-Retirement
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- How to Make a Payment
- Quick Guide
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- Application Tips

### Resources For

          - New / Prospective Employees
          - Federal Employees
          - Retirees or Family Members
          - Benefits Officers

# How to Make a Payment

# Overview

### Overview

You can pay OPM online the same way you pay your utility, cable, or other bills. This option is available for Annuity Service Credit, Direct Pay Life Insurance, Employee Service Credit, Voluntary Contributions, Amount Due, Off Roll Debt, and Reclamations. It is convenient, simple and secure. OPM accepts online payments via your financial institution or pay.gov

### Why Pay Online?

#### It Saves Time

You can make same-day payments, which means you don't have to allow time for mailing. Plus, you can also setup recurring payments

#### It's Fast

Your payment gets processed quickly, and you don’t have to worry about a check getting lost.

#### It's Free

It doesn't cost you anything to pay online.

#### You Can Receive a Confirmation of Payment

You'll have an electric record of payment for easy, paperless record-keeping.

#### It Saves the Government Money

Checks are expensive to process (it costs nearly eight times more to process a single paper check than an electronic payment).

#### You Know When Your Payment Is Made

You can schedule your payment for a specific date. With a check, you don’t know exactly when it will clear.

#### It's Better For The Environment

There's no paper involved.

#### It's Secure

Our systems are secure, and protecting your financial data and personal information is a top priority.

# Annuity Service Credit

### What is Annuity Service Credit?

Repayment of refunded retirement contributions from prior Civil Service Retirement System (CSRS) or Federal Employees Retirement System (FERS) service, or payment for Federal service where retirement deductions were not withheld. Payment is made by an annuitant after retirement.

### Pay online via your financial institution

                - Sign into your financial institution’s online portal and select the “ Bill Pay ” option.
                - Select “Add Company or Payee”.
                - Search by ” Annuity Service Credit – OPM ” (you can type or copy and paste those words on the search box to ensure accurate identification of the Payee). Add the Payee’s profile using the following information:
                Payee / Biller Name: 
Annuity Service Credit - OPM
Claim / Account Number: Insert 
ASC- 
followed by the 
claim number 
shown on the mailing you received from OPM, including all letters and numbers (for example, ASC-A12345678)
Payee / Biller Zip Code: 
20044

                - Schedule a one-time payment from your checking or savings account.

**Note**:

Check and money order payments are still accepted; however, there might be a delay in crediting your payment due to extended processing times. **Do not send cash.** Please refer to the mailing you received from OPM for more details.

# Direct Pay Life Insurance

The Direct Pay Life Insurance (DPLI) system allows federal retirees to pay their Federal Employees’' Group Life Insurance (FEGLI) premiums directly to OPM if their monthly annuity is insufficient to cover the cost of their premiums

### Pay online via your financial institution

                - Sign into your financial institution’s online portal and select the “ Bill Pay ” option.
                - Select “Add Company or Payee”.
                - Search by " DPLI - OPM " (you can type or copy and paste those words on the search box to ensure accurate identification of the Payee). Add the Payee’s profile using the following information:
                Payee / Biller Name: 
DPLI - OPM
Claim / Account Number: Insert the 
L 
account number shown on the mailing you received from OPM, including all letters and numbers (for example, L123456)
Payee / Biller Zip Code: 
63197

                - Schedule a payment from your checking or savings account.   

### Pay online via Pay.gov

                - Visit the  Life Insurance Pay.gov site  and complete steps one (Before You Begin) through five (Confirmation).   If you have any questions or issues, please refer to the “Need Help?” section, which can be found within each step listed above.

## Note:

Check and money order payments are still accepted; however, there might be a delay in crediting your payment due to extended processing times. **Do not send cash**. Please refer to the mailing you received from OPM for more details.

# Employee Service Credit

### What is Employee Service Credit?

Repayment of refunded retirement deductions from prior Civil Service Retirement System (CSRS) or Federal Employees’ Retirement System (FERS) service or payment for Federal service where retirement deductions were not withheld. Payment is made by a current (active) CSRS or FERS employee.

### Pay online via your financial institution

                - Sign into your financial institution’s online portal and select the ”Bill  Pay ” option.
                - Select “Add Company or Payee”.
                - Search by " Employee Service Credit - OPM " (you can type or copy and paste those words on the search box to ensure accurate identification of the Payee). Add the Payee’s profile using the following information:
                Payee / Biller Name: 
Employee Service Credit - OPM
Claim / Account Number: Insert the 
CSD
 account number shown on the mailing you received from OPM, including all letters and numbers (for example, CSD1234567)
Payee / Biller Zip Code: 
63197

                - Schedule a payment from your checking or savings account.   

### Pay online via Pay.gov

                - Visit the  Service Credit Pay.gov site  and complete steps one (Before You Begin) through five (Confirmation).   If you have any questions or issues, please refer to the “Need Help?” section, which can be found within each step listed above.

## Note:

Check and money order payments are still accepted; however, there might be a delay in crediting your payment due to extended processing times. **Do not send cash**. Please refer to the mailing you received from OPM for more details.

# Voluntary Contribution

### What are Voluntary Contributions?

Voluntary contributions are optional payments made to the Civil Service Retirement and Disability Fund. The payments may later be used to purchase additional annuity at retirement. Only active employees covered under CSRS may make voluntary contributions, which can total no more than 10% of their aggregate lifetime earnings.

### Pay online via your financial institution

                - Sign into your financial institution’s online portal and select the “ Bill Pay ” option.
                - Select “Add Company or Payee”.
                - Search by “ Voluntary Contributions – OPM ” (you can type or copy and paste those words on the search box to ensure accurate identification of the Payee). Add the Payee’s profile using the following information:
                Payee / Biller Name: 
Voluntary Contributions - OPM
Claim / Account Number: Insert the 
VC 
account number shown on the mailing you received from OPM, including all letters and numbers (for example, 12345VC)
Payee / Biller Zip Code: 
63197

                - Schedule a payment from your checking or savings account.

### Pay online via Pay.gov

                - Visit the  Voluntary Contribution Pay.gov site  and complete steps one (Before You Begin) through five (Confirmation).   If you have any questions or issues, please refer to the ”Need Help?” section, which can be found within each step listed above.

## Note:

Check and money order payments are still accepted. However, there might be a delay in crediting your payment due to extended processing times. **Do not send cash**. Please refer to the mailing you received from OPM for more details.

# Other Payments

## Amount Due

### What is Amount Due?

An amount due because of an annuity overpayment (Form RI 34-3), an improper amount withheld from an annuity for coverage elected under Federal Employees’ Group Life Insurance (FEGLI) or Federal Employees Health Benefits (FEHB) (Form RI 34-19 and RI 34-20).

### Pay online via your financial institution

                - Sign into your financial institution’s online portal and select the “ Bill Pay ” option.
                - Select “Add Company or Payee”.
                - Search by “" Manual Repay -– OPM ”" (you can type or copy and paste those words on the search box to ensure accurate identification of the Payee). Add the Payee’s profile using the following information:
                Payee / Biller Name: 
Manual Repay - OPM
Claim / Account Number: Insert 
MR
- followed by the 
claim number
 shown on the mailing you received from OPM, including all letters and numbers (e.g.for example, MR-A12345678)
Payee / Biller Zip Code: 
20044

                - Schedule a payment from your checking or savings account.

## Off-Roll Debt

### What is Off-Roll Debt?

Repayment of an overpaid amount that cannot be collected from a monthly annuity payment. This normally occurs because the payee is no longer eligible for OPM benefits or elected another benefit (i.e., Office of Workers Compensation Programs).

### Pay online via your financial institution

                - Sign into your financial institution’s online portal and select the “ Bill Pay ” option.
                - Select “Add Company or Payee”.
                - Search by " Off Roll Debt - OPM ” (you can type or copy and paste those words on the search box to ensure accurate identification of the Payee). Add the Payee’s profile using the following information:                   - Payee / Biller Name:  Off Roll Debt - OPM
                  - Claim / Account Number: Insert  ORD - followed by the  claim number  shown on the mailing you received from OPM, including all letters and numbers (for example, ORD-F12345678)
                  - Payee / Biller Zip Code:  20044 
                - Schedule a one-time payment from your checking or savings account. If you would like to set up an installment agreement, please contact the Receivables Management office at (202) 606-0552.

## Reclamations

### What is a Reclamation?

Repayment of an annuity overpayment from the Civil Service Retirement System (CSRS) or Federal Employees Retirement System (FERS) after the death of an intended payee.

### Pay online via your financial institution

                    - Sign into your financial institution’s online portal and select the “ Bill Pay ” option.
                    - Select “Add Company or Payee.
                    - Search by " Reclamations - OPM"  (you can type or copy and paste those words on the search box to ensure accurate identification of the Payee). Add the Payee’s profile using the following information:
                    Payee / Biller Name: 
Reclamations - OPM
Claim / Account Number: Insert 
RC-
 followed by the 
claim number
 shown on the mailing you received from OPM, including all letters and numbers (for example, RC-A12345678)
Payee/ Biller Zip Code: 
20044

                    - Schedule a one-time payment from your checking or savings account. If you would like to set up an installment agreement, please contact the Receivables Management office at (202)-606-0552.

### **Note**:

Check and money order payments are still accepted. However, there might be a delay in crediting your payment due to extended processing times. **Do not send cash**. Please refer to the mailing you received from OPM for more details