Applying for Immediate 


Retirement Under 


the Civil Service 


Retirement System


This pamphlet is for you if you 


are currently a Federal employee 


covered by the Civil Service 


Retirement System (CSRS) and 


you want to apply for retirement


which begins within 30 days


after the date of your final separation 


from Federal service.

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Wednesday, May 29

We provide re

You will find 

information a

www.opm.

You may also 

retire@op
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Wednesday, May 29

Introduction 

Eligibility .

Age and S

Continuing H

Insuranc

Health Be

Life Insur

Long Term 

Applying for 

What To 

What Hap

Form to U

Submittin

Befo

Your 

Payments .

Beginning 

Payment a

How to R

Federal In

State Inco

Cost of L

How The Bas

Servi

To

Reduction

Servi

Re

Reduction 

Reduction 

Guaranteed M

Military Serv

Post-1956 

Military Retir

Limitation on 
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Monday, June 03, 

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Survivor Ben

Waiving t

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for a 

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for a 

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Wednesday, May 29

ppf

Civil Service R

are currently a 

Civil Service 

want to apply 

annuity (annu

date of final s

Do not use thi

Immediate Re

applying for a 

begins at age 

annuity, you s

Application fo

U.S. Offi

Retireme

P.O. Box 

Boyers, 
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Wednesday, May 29

The following 

an immediate 

Retirement Sy

Type of 

Retirement 

M

Optional 

A

A

Dis- A

continued 

Service 

Disability A
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Wednesday, May 29

If you wish to 

Health Benefi

Group Life In

you must mee

You must be r

you must hav

five years of F

your retireme

earliest oppor

Health Be

FEHB covera

the five-year r

or CHAMPVA 

are an FEHB 

eligible to con

agency will tr

of Personnel M

to do anything 

coverage. 

If you have a 

health benefit

and you are el

in retirement, 

enrollment. Y

coverage, unl

have other cov

Life Insur

The FEGLI P

information a

coverage as a 

are eligible to 

you must com

Life Insurance 

Compensation

you have and 

will continue 
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Wednesday, May 29

You should le

not want to co

coverage. You 

FEGLI Desig

Based on the 

agency is requ

application, O

eligible to con

coverage as a 

questions abo

office for assi

Long Term 

If you are cur

Term Care In

automatically 

as long as you 

is no “five-ye

(FEHB) and l

are currently p

payroll deduc

through a ded

bank debit or 

company at 1

If you are not 

may still be el

demonstrate t

questions abo

may also be e

company at th

After your de

apply for cove

Care Insuranc

annuity to pro

dollar a month

in the FLTCIP 

continue as lo

premiums. 
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Wednesday, May 29

Use Standard 

Immediate Re

annuity. You 

employing ag

Management 

Submittin

Submit the co

agency. Give 

before the dat

needs to comp

of Immediate 

SF 2801-1, Ce

which are inc

Immediate Re

Your agency w

forward it to y

You should re

Any errors, om

the processing 

in incomplete 

computation o

If you are app

must also com

Support of Di

your employin

Your agency w

What To D

Before Pro

If your addres

claim number

of birth, and y

have received 

us, use email, 

address. Pleas

corresponden

If you use TT
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Wednesday, May 29

U.S. Offi

ATTN: C

P.O. Box 

Boyers, 

In addition, no

forwarding ad

What Hap

Retiremen

Your employi

using the Age

necessary step

(which includ

compensation

been complete

application an

Management 

should forwar

within 30 day

received your 

OPM does no

After we rece

your claim nu

“CSA.” This n

because you w

contact OPM 

When we fini

send you a bo

monthly survi

The booklet c

you retire, inc

various chang

benefits, etc.)
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Wednesday, May 29

the retirement 

complete and 

Note: Applic

processed diff

forward your 

claim of disab

Office of Pers

disability dete

medical and n

disability retir

will be proces

Beginning 

The beginning 

day of the mo

requirements 

three exceptio

(2) annuities b

(3) annuities b

employees wh

in the month o

annuities begi

and all other r

Payment a

All annuities 

the month fol

has accrued. F

is for the mon

How to Re

The U.S. Dep

federal benefi

be made by D

savings accou

Express debit 
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Wednesday, May 29

To enroll in th

agency or com

Deposit Sign-

financial insti

card, go to ww

not electronic

you do not ha

must contact t

1-800-333-17

Direct Deposi

all around. Yo

bank or other 

your check. B

Management 

lost in the ma

available for y

home. 

When you ele

you will conti

mailing addre

Application fo

your payment 

after your pay

1-888-767-67

1-855-887-49

account open 

has been depo

Direct Expres

Federal In

If we do not r

at which you 

will be withhe

married perso

have the tax w

withheld from 

W-4 form on 

your applicati

federal incom

payments, ind

Application fo
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Wednesday, May 29

transmit these 

We can start s

have put you 

change your s

to contact us. 

to change you

to contact us. 

Cost of Liv

Cost-of-living 

and are payab

They are dete

the average C

quarter” of th

the “base quar

quarter” is Jul

cost-of-living 

to reflect the n

retirement rol

How 

The following 

answer every 

is responsible 

specific advic

Basic Annuit

annuity depen

pay and length 

High-3 Avera

the highest pa

basic pay in e

service with e

effect. 
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Wednesday, May 29

by years of se

2% of the “hig

service over 1

Members of C

air traffic con

personnel, and 

annuity comp

agencies to ob

Reduction

Service You 

Civilian servi

deductions we

“nondeduction

the retirement 

service. You d

not wish to do 

deposit �

� For nond

after Oct

in the com

of service 

salary pu

� For nond

October 

your retir

permanen

as a depo

required 

nently red

On the ot

it will inc
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Wednesday, May 29

you is called 

payment to th

refunded serv

a redeposit if 

circumstances 

� You sepa

October 

of CSRS 

which en

not redep

service w

but your 

of the red

redeposit 

on your a

� You sepa

October 

CSRS ret

ended on 

redeposit 

service ca

� You sepa

28, 2009, 

retiremen

before Oc

these ded

used to co

will be re

based on 

and an ac

� You sepa

28, 2009, 

retiremen

on or afte

these ded

be used to 

� If you re

credit for 
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Wednesday, May 29

function and a

be reduced by 

month, if any

Reduction 

Annuity 

Please read th

starting on pa

Guarant

An employee 

disability is gu

which amoun

“high-3” aver

using the basi

actual service 

employee’s se

60 is reached. 

If the “earned

formula is gre

this “earned” 

Persons receiv

compensation 

Affairs in lieu 

not eligible fo

computation. 
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Wednesday, May 29

other uniform

may be able to 

annuity. In Se

us the request

the following

a.	 Army, Na

Guard of t

b.	 Commissi

Service af

c.	 Commissi

Atmosphe

d.	 Cadet or M

Academy, 

Guard Aca

Active, honor

is potentially 

National Guar

except when o

the United Sta

Guard duty (a

of title 10) is 

Civil Service 

service and is 

accordance w

on or after Au

We need infor

service so tha

other records 

service you cl

that you are c

active military 
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Wednesday, May 29

You must pay 

agency while 

not paid, your 

credited as de

If you were f

civil service r

If you do not 

for Social Sec

will be recom

the post-1956 

over when yo

Security bene

service will b

annuity unles

separate.) 

If you were f

civil service r

1982: 

You will not r

post-1956 mil

deposit for it b

If you have qu

your post-195

deposit, conta
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Wednesday, May 29

y 

from the Depa

military retire

answer “yes” 

and attach Sch

This informat

military servic

pension, or co

Veterans Affa

affect the com

cannot receive 

if you receive 

awarded the r

incurred in co

States or caus

incurred in th

(b) under the 

sections 1273

retirement fro

Forces). 

Attach a copy 

military servic

attach a copy 

that your mili

connected and 

or caused by a

Only your mi

determination

cannot make t

verification of 

military retire

from the retire

military servic
H:\CorelVentura\S

Wednesday, May 29

available) to y

your claim mo

waived your m

from the Depa

need to file a 

civil service r

Obtain counse

military retire

receive or ma

Compensation 

military retire

Limita

The basic ann

service may n

“high-3” aver

withheld after 

reached are, a

credit. At retir

any unpaid de

entire special 

is refundable 

may be used a

additional ann

Management 

there is a writ

for additional 
P:\RSSP\ASB\FORMS

Monday, June 03, 

by such leave 

the purpose o

annuity earne

80% limitatio

sick leave ma

pay or length 

Volu

An employee 

withheld from 

contributions 

refund of the 

at any time. If 

are not refund

regular annuit

full year the in

for each $100

account. If, w

an employee e

annuity purch

difference bet

survivor’s age 

The survivor’

the employee

spouse’s cons

voluntary con

Note: The add

contributions 

adjustments. 
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Wednesday, May 29

If you have ap

compensation 

Compensation 

of Labor, beca

we need to kn

compensation 

a Civil Servic

for total or pa

Employees’ C

of time. Howe

“scheduled aw

the same perio

Any overpaym

retirement ann

by the Office 

of Workers’ C

Indicate in SF 

agree to notify 

compensation 

authorize the 

the Office of W

collect any ov

paid, but not e

annuity benef

Without this a

your annuity u

paying you co

The Departme

alternative an

within the term

If you receive 

payment and 

no compensat

of the lump su

returned to th
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Wednesday, May 29

y

children. You

entitled to a su

or on a court o

provide this b

The maximum 

or former spo

Your annual a

$3,600 and 10

benefit. If you 

it will be com

maximum sur

your death. Y

maximum sur

however, you 

either of these 

SF 2801-2, Sp

which is part 

Immediate Re

Office of Pers

your applicati

After your de

to continue he

service unless 

� you elect 

annuity o

� you are e

benefits c
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Wednesday, May 29

show that you

determined. A 

be accompani

� a judicial 

whereabo

� affidavits 

one of wh

the inabil

stating th

You mus

such as ta

stories, ab

OPM may als

requirement if 

regarding the 

waiver of the 

exceptional ci

the retiring em

the spousal co

Electing a 

Former Sp

To elect a sur

must have bee

at least 9 mon

before reachin

spouse surviv

spouse were m

You may elec

than one form

annuities cann

annuity. Also

spouse’s cons

benefit elected 

can be paid to 
P:\RSSP\ASB\FORMS

Monday, June 03, 

If a court orde

former spouse

concerning a 

as if there wer

annuity. By el

current spouse 

spouse’s right

entitlement in 

before age 55

order). Anoth

outlined on pa

Interest Annu

Order Gives a 

Spouse.” The 

detail how yo

affect your cu

has given a su

If a court orde

spouse, your a

If you elect a 

spouse (or ano

will be reduce

a survivor ann

annuity. Your 

portion of the 

spouse. 

If you die bef

the total amou

cannot exceed 

of Personnel M

the court orde

The former sp

benefit would 

terms of the c

entire survivo

widow(er) wo

the former spo

widow(er) wo

according to y

less than the e

spouse, your w

greater than th
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Wednesday, May 29

would then re

Note: If you 

for at least 30 

not terminate 

survivor annu

For example, 

spouse surviv

annuity, you e

your current s

spouse’s entit

former spouse 

to 40% of you

receive a surv

annuity. How

entitlement to 

would then re

of your annuit

Electing a

for a Curr

Order Give

Former Sp

If a former sp

will prevent y

survivor annu

anticipated ne

interest annui

documentatio

to choose this 

and the amoun

provide it are 

Insurable Inte

Other Than Y

If you elect an 

your current s

SF 2801-2, Sp

which is part 

Retirement, co

interest annui

(Choose item 
P:\RSSP\ASB\FORMS

Monday, June 03, 

interest annui

annuity reduc

be entitled to 

former spouse 

widow(er) can 

for the insurab

If for any reas

Management 

election for yo

will be consid

survivor annu

Electing a

Survivor A

Other tha

At retirement 

SF 2801, to el

an individual 

reasonably ex

your continue

any one who i

You must pro

good health in 

If you choose 

the reduction 

the difference 

person named 

the table on p

of your reduc

You cannot m

you are retired
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Wednesday, May 29

Older, same 

younger 

5 but less tha

10 but less th

15 but less th

20 but less th

25 but less th

30 or more y

You can elect 

in addition to 

or former spo

Terminati

Annuity to 

Current Spo

The reduction 

annuity for yo

marriage ends 

annulment. N

if a court orde

survivor annu

Former Spo

The reduction 

annuity for a f

dies, if the for

age 55, or und

required you t

former spouse 

the court orde

the former spo
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Wednesday, May 29

Insurable In

The reduction 

interest annui

receive the in

person you na

change your e

lost entitleme

also ends if, a

interest benef

survivor annu

someone othe

after you retir

annuity for yo

insurable inte

Changing 

Retiremen

If it is within 

monthly pay

You may chan

days after the 

payment, you 

must write to 

address given 

Your first reg

annuity paym

than an estima

the Office of P

computed the 

When the 30-

first regular m

change your e

explained in t
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Wednesday, May 29

If you are mar

provide a surv

elect less than 

within 18 mon

in your annuit

benefit if you 

By law, you m

the amount by 

reduced had th

an amount equ

designated for 

charged on th

You must req

pay the depos

beginning dat

deposit in full 

after we notify 

void the elect

a survivor ben

cancels any sp

survivor annu

Elections 

Marriages 

If you marry a

elect a reduce

for your spou

Personnel Ma

the benefit wi

marriage. OPM 

about the effe

want to make 

irrevocable up

inform OPM p

status. 
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Wednesday, May 29

order that 

annuity f

� They can

current an

exceed 55

� If, during 

annuity w

former sp

into the R

the amou

reduced d

interest. 

Please note th

required to pr

elected to pro

retirement and 

reduction erro

provision in th

that survivor r

reelection) or 

annuity. The 

demonstrate a

a survivor ann

retirement. Th

reduction afte

by mistake, er

OPM. 

Eligibility 

Benefits 

For Widows

To be eligible 

your widow(e

total of at leas

The marriage 

your death is 
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Wednesday, May 29

� He or she 

55. Howe

30 years 

receive a 

For Children 

The eligibility 

after your dea

status or the ty

is not reduced 

dependent chi

annuity until a

an unmarried 

full-time stud

institution or 

disability incu

student child 

child is 22.) 

Information a

claim file will 

claims for chi

Children will 

solely because 

retirement app

More Inf

in Ap

Contact the H

where you wo

information, a

for retirement

are eligible fo

Personnel Ma

you before yo

records are fo