Information & Instructions


for Completing an


Application for 


Full Retirement Status 


(from Phased Retirement) 


under the Civil Service 


Retirement System


(CSRS)


SF 2826

October 2014
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Introduction ...............................

Electing Full Retirement Status .....................

Deemed Election of Full Retirement Status ...............

Deposits and Redeposits.........................

Military Deposits ............................

Computing the Fully Retired Phased Component ............

Computing the Composite Retirement Computation ..........

Insurance Coverage - FEHB and FEGLI ................

Federal Dental and Vision Insurance Program .............

Federal Long Term Care Insurance Program ..............

Court Orders ...............................

Death While Awaiting Processing of Final Retirement .........

Annuity Commencing Date .......................

Cost-of-Living Adjustment (COLA) . ..................

Withdrawing an Application for Full Retirement Status ........

Please use These Instructions for Completing CSRS Form SF 2801 ..

Section A - Identifying Information.................

Section B - Federal Service .....................

Section C - Other Claim Information................

Section D - Insurance Information .................

Section E - Marital Information ..................

Section F - Annuity Election ....................

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Section I - Applicant’s Certification ................

Schedule A - Military Service Information .............

Schedule B - Military Retired Pay .................

Schedule C - Federal Employees Compensation Information ...

Applicant’s Certification ......................

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System, Standard Form (SF) 2801. If you are covered by the Federa

Retirement System, you must use SF 3118 in conjunction with SF 3

phased retirement. 

Electing Full Retirement Status 

As a phased retiree, you can elect to enter full retirement status at an

an SF 2801 application as described in these instructions. 

Deemed Election of Full Retirement Status 

Your phased employment/phased retirement status is deemed to en

federal service (and therefore, from phased employment) for more t

being separated from service for more than three days, you are deem

full retirement status and your composite retirement annuity will be

day after your separation from federal service. 

Deposits and Redeposits 

You must have already paid deposits and redeposits for civilian serv

commencement of your phased employment/phased retirement regu

therefore, you cannot make service credit payments at full retiremen

a pre-October 1, 1982 deposit continues to accrue until the annuity c

your composite retirement annuity. If we applied an actuarial reduct

annuity, the actuarial reduction amount will be increased by applica

adjustments. The resulting amount will be applied to the composite 

in the Composite Retirement Computation.

Military Deposits 

If you performed military service after your phased retirement comm

to a call up for active military service) you may complete a deposit f

service period only at your agency no later than the day before the e

composite retirement annuity. If the deposit is not paid, your milita

during phased employment will be credited as described below. 

If you were first employed in a position subject to civil service r

October 1, 1982: We will credit your military service until age 62 

the deposit. If you are eligible for Social Security benefits at age 62

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preceding this one. Please note, that you can only pay a deposit for 

performed while you were a phased retiree. Your opportunity to pa

military service performed prior to your phased employment expire

commencing date of your phased retirement. 

If you were first employed in a position subject to civil service r

October 1, 1982: You will not receive any retirement credit for you

performed during phased retirement if you do not make the deposit 

section. 

If you have questions concerning the payment of a military deposit, 

employing agency. 

Computing the Fully Retired Phased Component 

Part of your full retirement status annuity (the “composite retiremen

the “fully retired benefit”. The fully retired benefit equals the produ

multiplying: 

� the working percentage by 

� the amount of an annuity computed under the applicable CSRS 

have been payable at the time of full retirement had you not ele

retirement and as if you had been employed on a full-time basis 

reduction for survivor annuity. The general formula for a CSR

1.5 percent x “high-3” average pay x 5 years of service; p

1.75 percent x “high-3” average pay x years of service betw

2 percent x “high-3” average pay x years and months of 

Note: certain types of employees who perform service at a different 

rate will be credited with 2.5% of average salary multiplied by the y

the enhanced service up to 20 years. 

In computing this amount, the unused sick leave equals the quotient 

leave hours to your credit at separation for full retirement divided by 

percentage; and, if applicable, the reduction for any unpaid deposit p

October 1, 1982 non-deduction service is calculated to the commen

composite annuity. 

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applicable cost of living adjustments (COLAs); and 

� The fully retired benefit 

This amount is adjusted by applying the appropriate reduction, if an

annuity benefit. 

Also, if applicable, the monthly annuity derived from this formula i

actuarial reduction that was applied to the phased retirement, increa

of living adjustments (COLAs). 

If you are a CSRS Offset retiree and have attained age 62 at the tim

retirement status, you will be subject to a full Social Security offset, 

of the computation of the composite annuity. If you are a CSRS Of

not attained age 62 when the full retirement commences, you will b

Social Security offset when you reach age 62. 

Insurance Coverage- FEHB and FEGLI 

If you want to continue your Federal Employees Health Benefit (FE

Employees’ Group Life Insurance (FEGLI) coverage as a retiree, yo

following basic requirements. You must be retiring on an immediat

must have been enrolled in the program for the five years of Federa

preceding your annuity commencing date for final retirement status

than five years, for the full period(s) of service during which covera

FEHB coverage as a family member (and coverage under TRICARE 

counts toward the five year requirement for health benefits. 

Federal Dental and Vision Insurance Program 

Your Federal Dental and Vision Insurance Program (FEDVIP) cove

automatically continue into retirement as long as you continue to pa

premiums. Until work on your annuity is completed, you may receiv

BENEFEDS. You must pay these bills in order to keep your FEDV

After work on your annuity is completed, BENEFEDS will automat

deducting from your annuity to pay future premiums. 

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pay premiums another way, either by deductions from your annuity

bank debit or direct bill. You may call LTC Partners at 1-800-LTC

(1-800-582-3337) to make these arrangements. 

Court Orders 

Composite retirement annuities are subject to court orders providing 

allotment, assignment, execution, levy, attachment, garnishment, or 

on the same basis as other annuities. 

Death while Awaiting Processing of Final Retirement 

If you should die after separation for a final full retirement status, O

composite annuity will have accrued from the day after separation th

death. The maximum survivor annuity will be payable upon receipt 

the benefit from your spouse. 

Annuity Commencing Date 

The commencing date of your composite annuity retirement is the d

separation from your federal employing agency. 

Cost of Living Adjustment (COLA) 

Cost of living increases are effective on December 1 and are payabl

annuity payment. When the COLA is payable, you will receive a fu

composite annuity benefit. 

Withdrawing an Application for Full Retirement Status 

You may withdraw your application to enter full retirement status b

written request to your agency before the effective date of the full re

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You must complete all items in this section except for item # 8, rega

application, which is not applicable. Please refer to the Instructions 

Application for Immediate Retirement on SF 2801 for detailed info

completing this Section. 

Section B – Federal Service 

Complete items 1- 3 and 5 in this section. If you performed active m

phased employment, complete item 4. Please refer to the Instructio

Application for Immediate Retirement on SF 2801 for detailed info

completing this Section. 

Section C – Other Claim Information 

You must complete all items in this section. Please refer to the Inst

Completing Application for Immediate Retirement on SF 2801 for d

pertaining to completing this Section. 

Section D – Insurance Information 

Complete all items in this section. Please refer to the Instructions fo

Application for Immediate Retirement on SF 2801 for detailed infor

completing this Section. Particularly note that for item 2, you must 

there is a court order currently in effect that requires you to provide 

coverage for your child(ren). If you answer “yes”, you must submit 

order or administrative order. 

Section E – Marital Information 

Complete all items in this section. Please refer to the Instructions fo

Application for Immediate Retirement on SF 2801 for detailed infor

completing this Section. 

Section F – Annuity Election 

Complete all items in this section. It is very important that you read 

information on the Annuity Election in the Instructions for Complet

Immediate Retirement on SF 2801. 

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Section H – Direct Deposit and Tax Withholding Informati

Complete all items in this section. Please refer to the Instructions fo

Application for Immediate Retirement on SF 2801 for detailed infor

completing this Section. 

Section I – Applicant’s Certification 

Be sure to sign (do not print) and date your application after review

Schedule A – Military Service Information 

You must complete all items in this Schedule if you performed mili

phased employment. Please refer to the Instructions for Completing 

Immediate Retirement on SF 2801 for detailed information pertainin

Schedule. Please note that if you wish to pay a deposit for this perio

you must make payment in full to your agency no later than the day 

date of your full retirement status.

Schedule B – Military Retired Pay 

You must complete all items in this Schedule. Please refer to the In

Completing Application for Immediate Retirement on SF 2801 for d

pertaining to completing this Schedule. 

Schedule C – Federal Employees’ Compensation Informa

You must complete all items in this Schedule. Please refer to the In

Completing Application for Immediate Retirement on SF 2801 for d

pertaining to completing this Schedule. 

Applicant’s Certification 

Be sure to sign (do not print) and date this portion if you have comp

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U.S. OFFICE OF PERSONNEL MANAGE

1900 E STREET, NW

WASHINGTON, D.C. 20415

www.opm.gov/retirement-services