United States Office of Personnel Management 

Retirement Services 

Benefits Administration Letter

Number: 23-103 Date: January 2, 2023

Subject: Additional Guidance on Sending 

Reemployed Annuitant Information to the 

Reemployed Annuitant Inbox

The Office of Personnel Management (OPM) previously published guidance 

through BAL 19-107 - Process Change for Handling Reemployed Annuitants, 

to inform agencies that effective October 1, 2019, initial notifications to OPM 

regarding reemployed annuitants should be directed to the newly created 

email box: ReemployedAnnuitant@opm.gov. 

The reemployed annuitant inbox was created to allow 

agencies to: 

• Report reemployment of a CSRS or FERS annuitant by completing the

“Notification to OPM of Reemployment of Annuitant” form and

submitting an email with the corresponding SF-50 with Subject Line:

o “Notice of Reemployment of a Non-Disability Annuitant;” OR

o “Notice of Reemployment of a Disability Annuitant”

o (NOTE: clearly identifying whether the email notification is for a

disability or non-disability annuitant will assist OPM’s

reemployment team process requests and provide responses in a

timelier manner).
Benefits Administration Letter 23-103

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• Report a change in the appointment status of an annuitant that

affects the annuity, including, but not limited to:

o When a reemployment appointment is a Presidential appointment

or if during reemployment, the appointment changes to a

Presidential appointment.

o When the reemployment appointment changes from one that

conveys or permits FEHB and/or FEGLI eligibility to one that does

not convey FEHB and/or FEGLI eligibility.

o When reemployment ends.

• Notify OPM of a separation of a reemployed annuitant who was under

a dual comp waiver or who did not have enough service to earn a

supplemental benefit and needs reinstatement of FEHB and/or FEGLI

coverage by completing the “Notification to OPM of Separation of a

Reemployed Annuitant- No Benefits Payable” form and attaching the

separation SF-50 to the email.

• Notify OPM if reemployed annuitant declines Premium Conversation

participation under FEHB so that OPM may transfer in health benefits

coverage and deduct premiums from the retiree’s annuity on an

after-tax basis (NOTE: When the answer to item #13 of the

“Notification to OPM of Reemployment of Annuitant,” asking whether

the annuitant elected to waive Premium Conversion, is YES - OPM will

not suspend FEHB coverage and will continue to deduct health

benefits premiums from the retiree’s annuity on an after-tax basis;

When the answer is NO – the Agency should transfer in FEHB

coverage as of date or reemployment and start deducting health

benefits premiums on a pre-tax basis); and

• Request annuity updates due to a legislative Cost of Living

Adjustment (COLA) increase.

Additionally, Agencies are now required to submit additional information 

regarding FEHB coverage when submitting the “Notification to OPM of 

Reemployment of Annuitant” by reporting whether the reemployed annuitant 
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Benefits Administration Letter 23-103

acquired FEHB coverage with the reemployment; if so, agencies must 

include the effective date of coverage and information on any eligible 

dependents (the annuitant’s SF-2809 - Health Benefits Election Form on file 

may be submitted to comply with this requirement). 

The reemployed annuitant inbox should NOT be used to: 

• Request assistance or report other issues related to reemployed

annuitants besides the ones listed above.

• Send general questions about the reemployment process or to

request clarification on reemployment regulations:

o Agency Human Resources Specialists who have general questions

about reemployed annuitants must direct their questions to their

Agency Benefits Officer.

o Agency Benefits Officers that have general questions about

reemployed annuitants are encouraged to contact their agency

liaison from OPM’s Benefits Officer Development and Outreach

Group.

o Active federal employees and reemployed annuitants must

contact their agency Human Resources representative or their

Agency Benefits Officer for assistance with general questions,

requests for annuity estimates, or eligibility requirement

information.

• Submit Job Aid #5 (CSRS FERS Handbook Chapter 100) or OPM

1482 – FEGLI Agency Certification of Status of Reemployed

Annuitants. These two forms are now obsolete and should not be

submitted.

• Resubmit notifications that have been previously submitted through

fax or regular mail (NOTE: the new process of informing OPM about

initial reemployments through the inbox cancels all other methods of

reemployment notification procedures, including submissions by fax

and regular mail; Agencies should stop using regular mail and fax to
Benefits Administration Letter 23-103

4

communicate with OPM about the initial reemployments of 

annuitants). 

• Submit requests for estimate computations of an earned

supplemental or redetermined annuity benefit.

• Submit requests for deposits for prior reemployment service for credit

under a supplemental or redetermined annuity benefit.

• Submit applications for supplemental or redetermined annuity

benefits. Please see CSRS and FERS Handbook, Chapter 100 –

Reemployed Annuitants, for additional guidance on submitting these

applications. 

Communication from OPM:

OPM will use the reemployment inbox to send the applicable retirement 

information back to the agency, including sending agencies a completed RI 

20-46 – Information You Requested Regarding a Reemployed Annuitant,

only after a notification of reemployment is received. The RI 20-46 will 

contain important information on the annuitant such as the monthly annuity 

amount for the salary offset, the retirement coverage, life insurance 

coverage and FEHB enrollment code at the time of retirement. 

OPM will not use the reemployment inbox to answer questions on 

reemployed annuitant issues nor to provide claim status updates. Questions 

relating to the entitlements and benefits eligibility should be directed to your 

Agency Benefits Officer. 

Continuation of Benefits for Reemployed Annuitants:

Reemployed Annuitants are entitled to certain benefits depending on 

whether they are reemployed in a position that conveys eligibility and 

whether they are enrolled and have benefits coverage as annuitants. 

Federal Employees Health Benefit (FEHB):

When a retiree is enrolled in FEHB as an annuitant and is reemployed in a 

position that conveys or allows eligibility for FEHB coverage (permanent 
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Benefits Administration Letter 23-103

appointments), the health benefits must be transferred in from OPM, and 

premiums will be withheld from the annuitant’s salary. The reemployed 

annuitant, like other employees, will automatically participate in premium 

conversion. Agencies must then deduct FEHB premiums on a pre-tax basis 

from the reemployed annuitant’s pay effective the first day of the first pay 

period. 

NOTE: All participants in premium conversion must have their FEHB 

premiums deducted from their pay as employees, not from their retirement 

annuities. In order to allow eligible reemployed annuitants an opportunity to 

participate in premium conversion, their FEHB enrollment must be 

transferred from OPM to the employing agency. 

Reemployed annuitants, however, are afforded up to 60 calendar days to 

submit their waiver of participation in premium conversion. The waiver will 

be effective on the first day of the first pay period after the date the 

employing office receives it. When a reemployed annuitant waives or 

declines participation in premium conversion, agencies must promptly notify 

OPM so that OPM may transfer in health benefits coverage and deduct 

premiums from the retiree’s annuity on an after-tax basis. (NOTE: Agencies 

are required to answer item #13 of the “Notification to OPM of 

Reemployment of Annuitant,” specifying whether the annuitant elected to 

waive Premium Conversion).

Procedures and guidelines pertaining to the transfer of the FEHB enrollment 

of reemployed annuitants who participate in premium conversion are 

outlined in Payroll Office Letter P-00-13. 

When a retiree is not enrolled in FEHB as an annuitant or when a retiree’s 

annuity stops upon reemployment, their health insurance coverage they had 

as an annuitant stops too, and they may enroll the same as any other new 

employee If they are hired under an appointment that conveys or allows 

eligibility for FEHB coverage. 

When a retiree is hired under a position that does not convey coverage 

(temporary appointments), the reemployed annuitant’s health insurance will 

remain with OPM, and it will not be transferred to the Agency. 
Benefits Administration Letter 23-103

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Actions to take upon Separation from Federal Service:

When Supplemental/Redetermination benefits are payable:

Reemployed annuitants can continue their health benefits enrollment after 

separation from reemployment only if they meet all the requirements that 

any other retiring employee must meet to carry coverage into retirement; 

the coverage obtained prior to the original retirement may be used to meet 

the 5-year requirement and the immediate annuity requirement is met if 

they are eligible and receive a supplemental annuity when they separate 

from the reemployment. (NOTE: This provision does not apply to individuals 

that were reemployed under a dual comp waiver or who did not have enough 

service to earn a supplemental benefit). 

Agencies must prepare and send an application package according to the 

procedures outlined on Section 100A7.1-1 of the CSRS and FERS Handbook, 

Chapter 100, when an individual’s annuity continued through the 

reemployment. 

The process of separation of a reemployed annuitant whose annuity 

terminated on or during reemployment is the same as the process of any 

other separating employee. 

When NO Supplemental/Redetermination Benefits are payable (dual comp 

waiver appointments or separations prior to one full year of employment):

Agencies must complete the “Notification to OPM of Separation of a 

Reemployed Annuitant- No Benefits Payable” upon termination of the 

reemployment. This form, along with the separation SF-50, all original 

copies of FEHB documents, and the HR Representative’s forwarding email, 

must be sent to the ReemployedAnnuitant@opm.gov inbox. OPM will 

transfer in the FEHB coverage, notify the annuitant, and commence premium 

deductions from the annuity on the day after separation. 
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Benefits Administration Letter 23-103

Federal Employee’s Life Insurance (FEGLI):

When a retiree is reemployed in a position that conveys life insurance 

eligibility, their Basic Life insurance, Option A, and/or Family Option C

coverage they carried as an annuitant is suspended with OPM. The 

reemployed annuitant will automatically receive Basic coverage like any 

other employee and will also automatically get Option A and Option C 

insurance. Therefore, Agencies must withhold premiums for Basic, Option A 

and Option C if the reemployed annuitant had that coverage as an annuitant, 

are eligible for the coverage in the reemployed position, and did not waive 

the coverage. 

If they did not have Option A or Option C as an annuitant, they can elect 

coverage if they have been separated from service for at least 180 days. If 

the separation from service was less than 180 days, then any waiver of life 

insurance they made during their prior employment remains in effect. 

FEGLI withholdings are made from the reemployed annuitant’s pay, even if 

they are over age 65. Since the post-65 reductions only affect annuitants, 

life insurance coverage as an employee will not be reduced for reemployed 

annuitants over the age of 65. The amount of a reemployed annuitant’s 

Basic insurance is based on their salary as an employee before reduction of 

pay by the amount of their annuity. The coverage includes Accidental Death 

& Dismemberment coverage. 

Option B is handled differently from Basic, Option A, and Option C.

Reemployed Annuitants can choose whether to keep Option B as an 

annuitant or acquire it as an employee.

When a retiree has Option B coverage as an annuitant and is eligible for the 

coverage in the reemployed position, he/she may choose to continue to have 

Option B as an annuitant. In this case, OPM will continue to withhold Option 

B premiums from his/her annuity (unless they are over age 65 and have 

elected a Full Reduction).

If the reemployed Annuitant choses to have Option B as an employee, 

he/she must make the election within 60 days after reemployment. They 
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Benefits Administration Letter 23-103

must complete and sign an SF 2817 – Life Insurance Election, for all the 

insurance they want, not just Option B; any coverage not signed for will 

be cancelled, including coverage held as an annuitant. If they waive 

coverage as a reemployed annuitant, they will also waive their insurance 

coverage with their retirement annuity. 

For individuals that do not have Option B insurance as an annuitant, they 

can elect it as an employee if they have been separated from service for at 

least 180 days. If separated from service less than 180 days, then any 

waiver of life insurance made during their prior employment remains in 

effect. If they have fewer than 5 multiples of Option B as an annuitant and 

elect to have it as an employee, they can increase the number of multiples, 

unless their break in service is less than 180 days (NOTE: Reemployed 

annuitants that had Option B as an employee but were not eligible to 

continue all of the multiples into retirement, will get back any multiples that 

terminated upon their retirement only if they elect to have Option B as an 

employee. If they keep Option B insurance as an annuitant, they will not get 

back any terminated multiples). 

When a retiree’s annuity stops upon reemployment, the life insurance they 

carried as an annuitant is also terminated. There is no right to convert. They 

may enroll the same as any other new employee If they are eligible for the 

coverage in the reemployed position. 

If the reemployed annuitant is employed under a position that is excluded 

from life insurance coverage (temporary appointment), their life insurance 

coverage will remain with OPM, and life insurance premiums will be withheld 

from their annuity. 

NOTE: Items #10 through #12 of the “Notification to OPM of Reemployment 

of Annuitant,” will help OPM identify what life insurance elections a 

reemployed annuitant made under the reemployment and whether OPM will 

have to suspend or continue life insurance premiums withholdings from the 

individual’s annuity. 

Please see the FEGLI Handbook for detail guidance on continued coverage 

under FEGLI for reemployed annuitants. 
Benefits Administration Letter 23-103

9

Actions to take upon Separation from Federal Service:

When Supplemental/Redetermination benefits are payable:

Reemployed annuitants can continue their FEGLI enrollment after separation 

from reemployment only if they meet all the requirements that any other 

retiring employee must meet to carry coverage into retirement; the 

coverage obtained prior to the original retirement may be used to meet the 

5-year requirement and the immediate annuity requirement is met if they

are eligible and receive a supplemental annuity when they separate from the 

reemployment (NOTE: This provision does not apply to individuals that were 

reemployed under a dual comp waiver or who did not have enough service 

to earn a supplemental benefit). 

Agencies must prepare and send an application package according to the 

procedures outlined on Section 100A7.1-1 of the CSRS and FERS Handbook, 

Chapter 100, when an individual’s annuity continued through the 

reemployment. 

The process of separation of a reemployed annuitant whose annuity 

terminated on or during reemployment is the same as the process of any 

other separating employee. 

A separating reemployed annuitant’s application package should include a 

completed an SF 2821 – Agency Certification of Insurance Status, the same 

way as with any other retirement. The words “Reemployed Annuitant” and 

the individual’s retirement claim number (CSA) should be entered under 

their name.

A reemployed annuitant who qualifies for supplemental/redetermined 

benefits may elect between the reemployment acquired coverage and the 

suspended annuitant coverage, as follows: 

Basic Insurance:

Upon receipt of the application for supplemental/redetermined benefits, OPM 

(or other retirement system) will notify the separated reemployed annuitant 
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Benefits Administration Letter 23-103

of the amount of Basic insurance suspended as an annuitant, less any post65 reductions, and the amount of Basic insurance they had through 

reemployment. They have the option of choosing between the 2 amounts. If 

they choose the reemployment acquired insurance coverage, they must 

make a new post-65 reduction election on the SF 2818 - Continuation of Life

Insurance Coverage. If they elected to reinstate the suspended “annuitant” 

insurance, they will not have to make any premium payments, even if they 

are under age 65. 

Option A: 

The Option A coverage acquired through reemployment will be continued 

automatically as an annuitant. 

Option B: 

If the reemployed annuitant kept Option B coverage as an annuitant, there 

is no choice to make. If they elected Option B as an employee, OPM (or 

other retirement system) will give the separated reemployed annuitant the 

choice between the suspended coverage, less any post-65 reductions, or the 

reemployment-acquired coverage. 

Option C: 

The Option C coverage acquired through reemployment will be continued 

automatically as an annuitant. They do not have to choose all of the 

suspended insurance or all of the reemployment-acquired insurance. They 

may “pick and choose” among the different types of insurance.

When NO Supplemental/Redetermination Benefits are payable (dual comp 

waiver appointments or separations prior to one full year of employment): 

Upon separation, Reemployed Annuitants (under dual comp waivers or who 

are separating prior to one full year of employment) are not eligible to 

continue their reemployment acquired FEGLI coverage as annuitants. 

Agencies must promptly complete an SF 2821 – Agency Certification of 

Insurance Status, to terminate the reemployment acquired coverage. The 
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Benefits Administration Letter 23-103

words “Reemployed Annuitant” and the individual’s retirement claim number 

(CSA) should be entered under their name. Additionally, Agencies must 

prepare the SF 2819 – Notice of Conversion Privilege, and provide it to the 

separated reemployed annuitant. 

Notification to OPM must be sent by completing the “Notification to OPM of 

Separation of a Reemployed Annuitant- No Benefits Payable” upon 

termination of the reemployment. This form, along with the separation SF50, all original copies of FEGLI documents, and the HR Representative’s 

forwarding email, must be sent to the ReemployedAnnuitant@opm.gov

inbox. OPM will reinstate the FEGLI coverage that was previously suspended 

before the reemployment (less any post 65-year reductions), notify the 

annuitant and begin applicable withholdings and contributions the day after 

separation. 

Dental and Vision Insurance Program (FEDVIP): 

Reemployed Annuitants enrolled in FEDVIP as an annuitant and are 

reemployed in a position that conveys eligibility for FEDVIP benefits, must 

contact BENEFEDS directly at 1-877-888-3337 if they want their premiums 

to be deducted from their agency paychecks. 

Reemployed annuitants not already enrolled in FEDVIP may enroll as a newly 

hired/newly eligible employee within 60 days after they start their 

reemployment, as long as they are reemployed in a position that conveys 

eligibility for FEDVIP benefits. They can enroll directly with BENEFEDS or by 

calling 1-877-888-3337. 

When a retiree is hired under a position that does not convey FEDVIP 

eligibility, the reemployed annuitant’s FEDVIP coverage can be retained as 

an annuitant. 

There is no requirement to notify OPM of new or canceled FEDVIP coverage 

for reemployed annuitants. 
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Benefits Administration Letter 23-103

Federal Long Term Care Insurance Program (FLTCIP): 

The reemployment of an annuitant will not affect their FLTCIP coverage. 

Their coverage will remain in effect as long as they continue to pay their 

FLTCIP premiums. However, if a reemployed annuitant pays premiums 

through annuity deductions, they will need to contact Long Term Care 

Partners directly at 1-800-583-3337 to make other deduction arrangements. 

In most cases, they can have the option to have their premiums deducted 

from their agency paychecks.

If a reemployed annuitant is not enrolled in FLTCIP, they can apply for 

coverage within 60 days of their reemployment using the Abbreviated 

Underwriting Application as long as they are reemployed in a position that 

conveys FEHB eligibility and had a break in service of at least 180 days. 

They can apply at any time using the Full Underwriting Application. An 

application for coverage can be on the LTCFEDS website or by calling 1-800-

582-3337.

There is no requirement to notify OPM of new or canceled FLTCIP coverage 

for reemployed annuitants. 

Flexible Spending Accounts (FSAs): 

Reemployed Annuitants are eligible to enroll in an FSAFEDS health care 

flexible spending account (HCFSA) and/or dependent care account (DCFSA) 

or change their current election(s) from 31 days before their reemployment 

event to 60 days after the event (if the agency participates in FSAFEDS). 

The requested change must be consistent with the qualifying life event 

(reemployment), and they cannot enroll or increase their election(s) after 

October 1st, otherwise they will have to wait until Open Season. For more 

information on reemployment as a qualifying life event under FSAFEDS, 

please visit the FSAFEDS’ QLE Quick Reference Guide.

Reemployed annuitants are eligible to enroll in an HCFSA only if they are 

reemployed in a position that conveys FEHB eligibility (the reemployed 

annuitant does not have to be enrolled in FEHB). 
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Benefits Administration Letter 23-103

Reemployed annuitants can enroll online with FSAFEDS directly or by calling 

1-877-372-3337.

There is no requirement to notify OPM of new or canceled FSA enrollments 

for reemployed annuitants (keep in mind that annuitants, by law, cannot 

participate in FSAs). 

Thrift Savings Plan (TSP): 

If a reemployed annuitant is performing service covered by FERS or CSRS 

(when the appointment is made pursuant to 5 U.S.C. § 8468 or § 8344(a), 

respectively), the reemployed annuitant is eligible to participate in the TSP. 

If rehired with a break in service for TSP purposes of more than 30 calendar 

days, the reemployed annuitant is automatically enrolled in the TSP. 

Agencies must follow the procedures listed on TSP Bulletin 10-7 to process 

the elections and withholdings. 

If a reemployed annuitant is not performing covered service (e.g., a FERS 

annuitant who is reemployed on an intermittent basis, or an annuitant 

authorized to receive full salary and full annuity under a dual comp waiver) 

the reemployed annuitant is not eligible to participate in the TSP. 

Agencies must contact TSP directly for additional information on the 

responsibilities and actions agencies must take regarding TSP edibility and 

participation for reemployed annuitants. 

There is no requirement to notify OPM of TSP participation for reemployed 

annuitants. 

Additional information and resources: 

• Title 5, United States Code: 5 U.S.C. § 8344, 5 U.S.C. § 8468,

• Title 5, United States Code: 5 U.S.C § 9902, 5 U.S.C. § 9902(g)

(applicable to reemployment in the DoD)

• Title 5, Code of Federal Regulations: 5 CFR Part 837, 5 CFR Part 553

• FEHB Handbook
Benefits Administration Letter 23-103

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• FEGLI Handbook

• TSP Bulletin 10-7 Participation in the Thrift Savings Plan – For Agency

TSP Representatives 

• The Guide to Data Standards – Annuitant Indicator

• OPM Retirement Services

Sincerely,

Margaret Pearson 

Associate Director 

Retirement Services