Applying for Immediate 


Retirement Under the 


Federal Employees 


Retirement System

Do not use th

Application fo

applying for a 

begins more t

separation. If 

annuity, you s

Application fo

You can get th

www.opm.gov

calling us at 1

emailing us at 

U.S. Offic

Federal E

P.O. Box 

Boyers, P

We provide re

You will find re

information at

http://www

You may also 

retire@opm
Introduction.

Eligibility ..

Continuing He

Life Insur

Coverage 

Continuing Lo

Coverage 

Applying for B

Payments ..

Survivor Bene
Application fo

are currently a 

Federal Emplo

you want to ap

annuity (annui

date of final se

includes indiv

Civil Service R

eligible to hav

CSRS rules. 

This pamphlet 

continuing he

your retiremen

immediate ann

retirement pay

your survivors
The following 

immediate an

Retirement Sy

Type of 

Retirement

Optional

Discontinued 

Service

Disability 

*Minimum Retirem
If your year 

Before 

19

19

19

19

19

1953 to 

19

19

19

19

19

After 

Age Redu

If you have 10 

retiring at the 

will be reduce

age 62. The re

percent per m

reduced if you 

or if you comp

your annuity b

You can redu

postponing th
choose to hav

than your Min

choose any b

2 days before 

cannot begin 

Your agency r

with the annu

reduction. If y

date of your a

FERS Applica

Office of Pers

(TTY: 1-855-8

60 days befor

begin and req

Deferred or Po

write, the add

U.S. Offic

Federal E

P.O. Box 

Boyers, P

You can also 

www.opm.gov

If you cho

beginning 

should be 

Life Insuranc

You cannot co

unless you ar

you postpone 

your life insur

your annuity b

had when you 

resume. 
of separation 

you must con

pay the total p

charge. When 

will again hav

benefits plan 

Health Benefit

Management 

of the premium

Long Term C

If you already 

Coverage whe

postpone the 

your coverage 

to pay premiu

Term Care Ins

retirement, yo

your separatio

commencing 

COLA’s 

If you delay yo

annuity rate w

adjustments (

to receive the 

you will be en

annuity which 

Retirement Sy

will not receiv

Retirement Sy

you are 62. 

Survivor Ben

If you defer re

begin to recei

survivor bene
If you wish to 

Health Benefit

Group Life Ins

you must mee

You must be r

you must hav

the five years 

preceding you

since your ea

coverage as a 

five-year requ

Benefits Prog

also counts p

you retire. 

If you are elig

your agency w

ment to the O

You do not ne

make some c

If your annuity 

separation fro

benefits and l

upon your ret

requirements. 

beginning dat

the age reduc

be suspended 

employment. 

you will be giv

insurance cov

You will be eli

health benefit

of separation 

must pay both 

of the premium

When your an

the opportunit
If you are enro

Program (FED

ately after you

you may be b

separate for re

your retiremen

in order to kee

your retiremen

deduct your F

annuity paym

annuity, you c

Benefits Open 

If you postpon

to reduce or a

Coverage will 

Federal emplo

begins, you w

your FEDVIP 

The pamphlet

Group Life Ins

about eligibilit

a retiree and t

to continue yo

complete an S

Coverage As a

optional FEGL

to retain as a 

unless you m

been that man

life insurance 

Therefore, you 

Management 

not want to co

coverage. You 

FEGLI Design

tion of benefic

contributions 

is SF 3102.) 
as a retiree. H

about your eli

assistance be

Conti

Insu

If you are curr

Term Care Ins

automatically 

as long as yo

There is no “fi

(FEHB) and lif

are currently p

payroll deduc

premiums ano

your annuity, 

the contractor 

company at 1

make these a

enrolled in the 

enroll. Howev

insurable by a

health. Call ou

number for de

Your Spou

Long Term 

If you are mar

coverage in th

Program (FLT

your spouse w

care insuranc

annuity. If you

FLTCIP, you m
as long as he/

premiums. 

Ap

Form to U

Use form SF 3

Retirement, to 

can obtain the 

Submittin

Submit the co

agency. Give 

before the dat

will then comp

of Immediate 

SF 3107-1, Ce

which are incl

for Immediate 

Your agency w

Summary of F

for your review 

carefully befo

or discrepanc

application, a

service in the 

If you are app

employing ag

SF 3112, Doc

Retirement Ap

Your agency w
et, you ca

report your ne

number in any 

at 1-888-767-6

prefer to write 

address to: 

U.S. Offic

ATTN: Ch

P.O. Box 

Boyers, P

In addition, no

forwarding ad

What Happe

Application 

Your employin

using the Age

necessary ste

includes payin

as for unpaid 

agency will fo

the Office of P

should receiv

agency when 

been forwarde

should forwar

is received wi

OPM has rece

documents, O

retired. 

Note: Applica

processed dif

forward your a

claim of disab

a disability de

medical and n

After it receive

your claim nu

“CSA.” This n
send you a bo

Beginning 

The beginning 

of the month a

annuities and 

technician pro

and all other r

Annuities bas

the day after s

Payment 

All annuities a

the first busin

for which the 

payments for 

check dated J

Method of 

The U.S. Dep

federal benefi

Most federal p

Direct deposit 

ity payment to 

financial instit

If you do not h

have your ann

bank account

card. Your an

deposited to t

date. 
are not availa

Complete Sec

Retirement, S

receive paym

Direct Deposi

If you change 

you can call O

Service Speci

Friday, from 7

use TTY equip

prefer, you ca

Form, SF 1199

U.S. Offic

Retireme

P.O. Box 

Boyers, P

Both you and 

The form can 

If you are cha

to leave your 

that a paymen

account. 

Once you beg

you will also b

Services Onlin

www.services

begin, you wi

system. 

Even though y

deposit or a D

continue to re

address. 
from your ann

with 3 exempt

withheld at the 

your salary, a

your employin

retirement. If y

withheld from 

in Section H o

Retirement. 

Married A

The maximum 

your unreduc

by 10% to pro

when your an

a reduction to 

for your spous

You can elect 

(25% of your u

in your annuit

must get your 

these options

Spouse’s Con

of form SF 31

Retirement, m

forwarded to t

(OPM) along w

If your spouse 

Employees H

elect survivor 

will not be elig

coverage afte

eligible to enr

Insurance Pro
must be acco

� a judicial 

whereabo

� affidavits 

one of wh

the inabil

stating th

You must 

as tax ret

stories, a

The Office of 

also waive the 

present a judi

spouse that w

requirement b

(Injury or illne

justification fo

requirement.) 

Electing a Su

Spouse 

To elect a sur

must have be

at least 9 mon

before reachin

spouse surviv

You may elec

than one form

annuities mus

unreduced an

must have yo

option, becau

spouse limits 

spouse. The m

that can be el

spouse(s) is 5
p

concerning a 

as if there wer

annuity. By el

spouse at reti

rights in case 

in the future (b

death, or und

option that yo

16 under “Ele

a Current Spo

Survivor Annu

paragraphs ex

at the time of 

spouse’s futu

annuity to a fo

If a court orde

spouse, your 

If you elect a s

(or another fo

reduced no m

survivor annu

annuity. Your 

portion of the 

spouse. 

If you die befo

the total amou

exceed 50% o

Personnel Ma

of the court or

The former sp

benefit would 

terms of the c

entire survivo

widow(er) wo

the former spo

widow(er) wo

to your electio

entire survivo

widow(er) wo

the difference 

annuity and 5
For example, 

spouse surviv

annuity, you e

your current s

spouse’s entit

former spouse 

to 40% of you

receive a surv

annuity. Howe

entitlement to 

would then re

of your annuit

Electing an I

Current Spo

Survivor Ann

If a former spo

will prevent yo

survivor annu

anticipated ne

insurable inte

provide docum

order to choo

benefit and th

annuity to pro

an Insurable In

Other Than Yo

If you elect an 

your current s

form SF 3107

Election, whic

for Immediate 

insurable inte

annuity. (Cho

If you elect an 

your current s

entitlement be

reduction in y

interest annui

annuity reduc

then be entitle
If for any reas

(OPM) cannot 

for your curre

considered el

annuity. 

Electing an I

for an Individ

You can elect 

individual who 

financial bene

close relative)

you are in goo

annuity. 

If you choose 

reduction in y

difference bet

person named 

in the table be

your reduced 

Age of the Pe

that of 

Older, same 

5 but less 

10 but les

15 but les

20 but les

25 but les

30 or 

You can elect 

in addition to 

or former spo
before age 55 

30 years or m

order accepta

when one of t

in accordance 

election made 

survivor annu

divorce and t

election (reel

terminating ev

spouse acqui

spouse. Cont

not effective to 

married after 

Insurable Int

The reduction 

interest annui

receive the ins

person you na

change your e

lost entitleme

also ends if, a

interest benef

survivor annu

someone othe

after you retire 

for your spous

insurable inte

Changing 

Retiremen

If it is within 

annuity paym

You may chan

days after the 

payment, you 

should write t
Your first regu

payment mad

estimated pay

the Office of P

computed the 

FERS. 

When the 30-d

first regular m

cannot chang

circumstance

If it is more t

first regular 

18-months fr

annuity 

If you are mar

your decision 

may increase 

request the ch

after the begin

In addition, yo

difference bet

election and t

centage of yo

24.5% of your 

changing from 

benefit, and 1

survivor bene

benefit to a fu

also be paid. 

Electing Sur

Acquired Aft

If you get mar

reduced annu

your spouse, 

Management 

years of the d

either a full su

annuity) or a p
greater than t

election. 

There will be t

elect to provid

the reduction 

amount of the 

have elected t

reduction) or 

The reduction 

eliminated if y

The other red

actuarial redu

The deposit e

annuity rate a

month since r

reduction is d

the deposit by 

date your ann

benefit. The a

from your ann
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