Information for 


FERS Annuitants


Federal Employees 


Retirement System (FERS)

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Wednesday, Novemb

We provide re

Internet. You 

information a

http://w

You may also 

email at:

retire@
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Wednesday, Novemb

I.	 Comp

Reti

II. Altern

III. Annui

IV. Cost-o

V. Payme

VI.	 Taxes 

from 

VII. Waivi

VIII. Emplo

IX.	 Chang

to D

X.	 Chang

Afte

XI.	 Entitle

on F

Sys

XII. Death 

XIII.	 Conta

Man

Additional Inf

If you are an e

addresses con

have access to 

should direct 

the personnel 
H:\CorelVentura\r

Wednesday, Novemb

1.	 Social S

You shou

district of

eligibility 

can reach 

telephone 

1-800-32

2.	 Thrift Sa

You shou

Investme

benefits. 

1-877-96

or write t

Thrif

P.O. 

Birm

Informati

www.tsp

3.	 Federal 

Benefit 

The U.S. 

(OPM) ad

This pamphle

Any question

benefits or the 

to the offices 
H:\CorelVentura\r

Wednesday, Novemb

average salary 

of service. If y

and had at lea

1.1% of your 

your years an

Your benefit w

A.	 You reti

1) If at 

62 ye

requ

retire

annu

comp

2) If at 

age 6

retire

bene

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How

annu

mult

servi

annu
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Wednesday, Novemb

mont

of Pe

amou

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your 

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OPM

of th

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mont

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until 

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need

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Wednesday, Novemb

B.

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for air tr

enforce

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materia

Your ann

salary mu

do not ex

average s

exceeding 

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service 

as a con

combina

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salary mu

a Membe

employee 

of your “

by your y

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Employe

and had 

civilian 

Security 

System 

service 

deductio

transfer

Your ann

compone

computed 

The CSR

the CSRS 
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Wednesday, Novemb

Second 5 

of CSRS 

All years 

CSRS se

over 10 

If you re

for firefi

officers

Custom

Your Civ

compone

salary, m

enforcem

materials 

and Bord

before yo

“high-3” 

remaining 

If you re

provisio

or cong

Your CSR

average s

months o

and/or co

service w

and up to 

1.75% of 

multiplie

when add

not excee

average s

service in 
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Wednesday, Novemb

retired at 

your bene

full mont

age 62 on 

your annu

at least 30 

at least 20 

began wh

If you po

annuity, t

eliminate

The age r

Service R

Employe

of your a

If You R

Service 

Provisio

If you ret

retiremen

because y

reorganiz

function, 

under CS

reduced i

is 1/6 of 

you are u

2.	 Survivo

Your ben

survivor b

married, 

under the 

your elec

If the tota

equals 50

reduced b

reduction 
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Wednesday, Novemb

CSR

befor

was 

� If yo

Octo

your 

an ac

servi

if yo

retire

on or 

� If yo

Octo

your 

an ac

servi

if yo

retire

4.	 Alternat

Your ben

lump sum 

contribut

commonl

Only non

life-threa

medical c

Computat

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Your “high-3” 

averaging you

consecutive se

final three yea

period, if you

period. Your b

for your posit

for which reti

shift rates. It d

bonuses, etc. 
H:\CorelVentura\r

Wednesday, Novemb

The Minimum 

at the earliest 

based on the y

MRA, refer to 

If year of 

Before 1948 

1948 

1949 

1950 

1951 

1952 

1953 to 1964 

1965 

1966 

1967 

1968 

1969 

After 1969 
H:\CorelVentura\r

Wednesday, Novemb

you received 

retirement con

annuity. 

Reduction 

Annuity E

The reduction 

alternative an

reduction is p

to that portion 

System annui

to the retirem

Effect on 

Choosing the 

your spouse’s 

survivor annu

annuity before 

Tax Liabi

Lump Sum 

Part of the Al

in the year pa

Individual Re

to Publication 

Service, to de

annuity lump 
H:\CorelVentura\r

Wednesday, Novemb

from the Soci

is calculated a

benefits on th

annuity suppl

(1) the last da

for which you 

Security bene

which you rea

Eligibility 

If you retired 

which is not r

a special retir

monthly bene

supplement if 

attaining your 

or voluntarily 

reduction in f

Members of C

instances, you 

retirement sup

Minimum Ret

receiving a de

an immediate 

for a special r

If your annuit

System (CSR

System (FER

an annuity sup

1 full calenda

computation r

year which be
H:\CorelVentura\r

Wednesday, Novemb

would be. The

civilian servic

full career soc

For example, 

Security bene

worked 30 ye

by 40 (.75) an

The result wo

supplement, p

Changes i

Suppleme

Like Social S

supplement is 

reduced if you 

of earnings (c

in the immedi

is reduced by 

the minimum 

supplement co

FERS basic b

are receiving 

earnings to O

how to report 

There is no re

year you rece

Then, your ea

are compared 

of earnings fo

supplement in 

reduced by 1/

earnings are 5

earnings exce
H:\CorelVentura\r

Wednesday, Novemb

You can obtai

www.ssa.gov/p

Definition 

Your Federal 

basic benefit i

earnings for a

wages for serv

earnings from 

any net loss fr

IV. Cost-

Eligibility 

Adjustmen

Your annuity 

adjustments, i

1.	 You are o

2.	 You retir

traffic co

or firefigh

3.	 You retir

receiving 

your “hig

during th

benefits; 

4.	 Your reti

under Civ

rules. 

Retirees unde

categories in i

for cost-of-liv
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Wednesday, Novemb

increase, we’l

its effect on y

How COLA 

The amount o

percentage inc

(CPI), accord

Change 

0% to 2% 

2% to 3% 

Over 3% 

Cost of Liv

If You Tra

Employees 

and You H

Retiremen

Componen

If you elected 

and part of yo

rules, that par

CSRS COLA

retirement. Ci

are equal to th

Price Index (C

change. The F

increased as d
H:\CorelVentura\r

Wednesday, Novemb

y p

bank. 

Payment a

All annuities 

the first busin

covers annuity 

in which the p

payment dated 

of May.

Late Paym

If you do not 

business day o

institution firs

call us during 

us. You can r

(TTY: 1-855-

your inquiry t

U.S. Offi

ATTN: C

P.O. Box 

Washingt

Tell us which 

We will also n

� Your clai

find this n

Retireme

OPM or o

regarding 

include th

number. 

� Date you 

was lost. 

misunder

you are c
H:\CorelVentura\r

Wednesday, Novemb

Beginning 

Payments

In most cases

month after th

However, und

could have be

below:

� If you re

Your ann

or the day 

earlier.

� If you re

disconti

if you re

technici

technici

failure t

for cont

Your ann

for retirem

� If you po

Minimum 

benefit 

Your ann

designate

62nd birt

� If you re

Your ann

following 

at least 10 

it before 
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Wednesday, Novemb

information a

address.

� Changin

Be sure to 

Managem

your mai

your mai

us, write 

to report 

address b

(TTY: 1-

on-line, u

on our we

If you use 

the passw

you do no

will be as

changing 

prefer to 

address to

U.S. 

ATT

P.O. 

Boye

Include th

sign your 

� 

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as possib

importan
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Wednesday, Novemb

if your perma

United States 

and the Direct 

available. 

Changing 

Direct Dep

To change ban

1-888-767-67

Services Onli

www.services

SF 1199A , D

your new ban

U.S. Offi

P.O. Box 

Boyers, P

The SF 1199A 

724-794-6633

of an annuity 

close out your 

annuity paym

If You Bec

If you become 

financial affai

should contac

1-888-767-67

to us at: 

U.S. Offi

Federal E

P.O. Box 

Boyers, P

They should g

(CSA number

person who co

what to do to 
H:\CorelVentura\r

Wednesday, Novemb

or conservato

Payment t

Attorney

Under Depart

are determine

payment of yo

a durable pow

power of attor

These regulat

period to allow 

for you. 

Notificatio

Retiree

If your annuit

into your bank 

immediately n

survivors shou

of Personnel M

(TTY: 1-855-

for death bene

They can also 

our website at 
H:\CorelVentura\r

Wednesday, Novemb

Your annuity 

tax under rule

the Internal R

questions abo

should contac

provide tax ad

publications. 

Federal tax an

721, Tax Guid

Benefits, from 

website at ww

We are withh

annuity at the 

application fo

is being withh

you applied fo

an election re

withheld fede

for a married 

Changing th

Federal Inco

To change the 

withheld each 

tax withholdin

Office of Pers

1-888-767-67

You can also 

Online feature 

www.services

If you prefer, 

U.S. Offi

Retireme

ATTN: T

P.O. Box 

Boyers, P
H:\CorelVentura\r

Wednesday, Novemb

Please note yo

Revenue Serv

90% of your y

from your sal

payments to th

withholding s

comply with t

State Incom

If you want st

monthly annu

same procedu

Changing the 

Income Tax W

Other Ded

Health Bene

Dental and V

If you are elig

life insurance 

Program cove

these are with

monthly retire

of the premium

payment to th

(OPM) for the 

Long Term 

If you were en

Care Insuranc

retirement, yo

coverage into 

pay applicable 

premiums by 

were employe

Partners to arr

either by dedu

automatic ban

directly. Pleas
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Wednesday, Novemb

y

can have your 

your annuity. 

Centers for M

to withhold M

payments. We 

or the Social S

Medicare prem

Social Securit

information a

Union Dues 

Some union d

payments. Co

Debts Owed 

If you owe a d

take money fr

If you owe the 

Retirement Sy

of benefits, w

amount of the 

we’ll withhold 

until the debt 

information a

the collection 

another Feder

an explanation 

to you before 

your annuity p

If you owe a d

may be subjec

administered 

the Treasury O

program, your 

collect the deb

Treasury Offs

by Treasury b

of Personnel M

information a

about the debt 
H:\CorelVentura\r

Wednesday, Novemb

y 

enforce any o

child support, 

annuity may b

circumstances

or community 

apportionmen

with a divorce

We’ll also hon

trustee in bank

the annuity is 

garnishment, 

VII. Waiv

Waiver of 

You can waiv

to OPM. No s

state in a dolla

annuity that y

which cannot 

following the 

If you have al

you cannot re

You may canc

requesting thi

that are due af

cancel the wa

can be made c

waiver was in 

If you waive p

receive a cost

you cancel yo

rate will be ad

adjustments (C

made. 
H:\CorelVentura\r

Wednesday, Novemb

will apply onl

benefits. 

Effect of W

Survivor B

If you waive a

your spouse’s 

had been in ef

VIII. Empl

Employme

� Effect o

Your emp

will not a

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unless yo

are under 

under age 

earnings 

if, in any 

and self-e

current ra

which yo

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detailed i

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will be re

over the a

the sectio

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Wednesday, Novemb

retur

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paym

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Wednesday, Novemb

appo

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28, 2

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when 

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Wednesday, Novemb

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annuitant

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the full n

agency. B

number (
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Wednesday, Novemb

of full-time se

annuity recom

requirements 

either benefit, 

application w

Management 

from your ree

OPM to be su

working. 

Employme

Company 

Receives G

Governme

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employment w

contracts with 

Government t

agency, or wr

Office of 

Suite 500

1201 New 

Washingt
H:\CorelVentura\r

Wednesday, Novemb

You can subm

retirement wit

from employm

alternative for

equal to your 

II). You and y

submit eviden

while employ

Employees Re

and you and y

that you were 

service becau

you retired fro

to certify that 

your condition

declined an of

in the commu

and tenure. 

The 1-year fil

were mentally 

or became so 

situation, the 

be filed within 

to competency 

is earlier. 

If you change 

your special r

is not paid to 

Tax Liabi

You should co

(IRS) regardin

on your Feder

disability diff

Management 
H:\CorelVentura\r

Wednesday, Novemb

� If it is w

regular 

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30 days a

monthly p

writing. Y

U. S. 

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annuity c

(other tha

adjustme

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rate of an

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paid the f

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than the m

get your 

OPM to w

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your first 

you can o

circumsta

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your firs

less tha

date of y

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your deci

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amount. Y

no later th

of your a
H:\CorelVentura\r

Wednesday, Novemb

changing 

survivor b

from non

benefit to 

must also 

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Spouse Ac

If you get mar

reduced annui

your spouse, i

Management 

two years of t

either a full su

annuity) or a p

unreduced ann

you were mar

consented to e

survivor annu

greater than th

election. 

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elect to provid

reduction to p

of the reductio

to provide a fu

or a partial su

reduction to p

eliminated if y

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actuarial redu

deposit. The d

the new annui

each month si

reduction is d

the deposit by 

date your ann

benefit. The a

from your ann
H:\CorelVentura\r

Wednesday, Novemb

Personnel Ma

within 2 years 

marriage. If y

a former spou

after the divor

survivor annu

when you reti

annuity (50% 

survivor annu

However, if y

retirement and 

annuity or a p

a survivor ann

in your origin

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reaching age 5

survivor annu

lasted for 30 y

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acquired after 

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to a Regul

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will prevent y

survivor annu

anticipated ne

interest annui

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court-ordered 

reduction in y

interest annui

annuity reduc

entitled to the 
H:\CorelVentura\r

Wednesday, Novemb

if your m

or annulm

continue 

provides 

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survivor 

the forme

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former sp

or more), 

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insurable 

name to r

dies or if 

spouse an

a former 

annuity. T

you retire

beneficia

survivor 

someone 

beneficia

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elect to c

at that tim

Note: 
H:\CorelVentura\r

Wednesday, Novemb

Social Sec

Entitled to B

Security Ad

If you are elig

Social Securit

FERS disabili

benefits at the 

subject to a re

Security Bene

Security Adm

any reduction 

If you are a di

are under age 

computed usin

average salary

(OPM) will re

portion of you

are receiving 

computation, 

annuity by 10

benefit to whi

receiving an a

computation, 

by 60% of any 

which you are 

for months in 

both FERS an
H:\CorelVentura\r

Wednesday, Novemb

Social Securit

benefits, you 

monthly Socia

of the paymen

It is your resp

overpayment 

Personnel Ma

to OPM a cop

from the Soci

the monthly a

Social Securit

forwarded to: 

U. S. Off

Federal E

P.O. Box 

Boyers, P

Important In

Federal Empl

disability ben

Social Securit

the FERS disa

of any Social 

12 months, pl

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the reduction 

FERS annuity

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disability ben

of eligibility f

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notify OPM o

would be elig

benefits from 
H:\CorelVentura\r

Wednesday, Novemb

you will need 

your loss of S

eligibility and 

SSA reduction

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Workers’ 

(OWCP), U.

Entitled to a 

(Non-Sched

If your worke

total or partia

you may not r

System (FER

are in receipt 

this type of W

promptly noti

(OPM) of you

notify OPM o

compensation 

changed from 

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that occurs du

are receiving 

responsibility 

by promptly n

1-888-767-67

1-855-887-49

U. S. Off

Federal E

P.O. Box 

Boyers, P
H:\CorelVentura\r

Wednesday, Novemb

member of th

loss of an arm

you receive a 

to notify OPM 

a non-schedul

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Employees 

if Your FERS 

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Benefits fro

Compensat

If your surviv

compensation 

not get a refun

retirement acc

annuity benef

for this benefi

of OWCP dea

annuity benef

survivors are 

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elect which of 

If your eligibl

compensation 

a third party s

survivor annu

the same perio
H:\CorelVentura\r

Wednesday, Novemb

Survivor A

To a Spouse

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annuity for:

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or 

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or 

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benefits t

a monthly sur

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annuity, in ad

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eligible for a 

reaches age 6

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and/or 

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and/or 

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as such b

or the Of

disability 

a basic child’s 
H:\CorelVentura\r

Wednesday, Novemb

be living with 

earnings of th

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benefit is redu

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an annuity up

qualifications 

lived with you 

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a survivor ann

above, you re

the child was 

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relationsh

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support. 

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the day a

entitleme

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survivor 
H:\CorelVentura\r

Wednesday, Novemb

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annuity is 

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insurable 

terminate

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your deat

child mar

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disabled 

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marries, d

becomes 

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school fu

month be

dies, ceas

military s

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H:\CorelVentura\r

Wednesday, Novemb

continued 

one in wh

30, which

Note: An annu

disabled child 

terminated be

the marriage e

Lump Sum 

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annuity due th

may be payab

the balance of 

to the decease

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interest, may 

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first person el

precedence:

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which is 

the Offic

death, or, 

� spouse of 

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deceased 

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� executor 

person’s 

� next of ki

in the dec
H:\CorelVentura\r

Wednesday, Novemb

U. S. Off

Federal E

P.O. Box 

Boyers, P

After you com

to the Office o

will validate i

You may also 

Federal Empl

coverage. You 

Designation o

can get a copy 

1-888-767-67

equipment), o

You can also 

website at ww

Applying f

Applying fo

Upon your de

of your death 

(CSA number

survivors or b

requesting and 

Death Benefit

application fo

(TTY: 1-855-

U. S. Off

Federal E

P.O. Box 

Boyers, P

They can also 

https://apps.op

get a copy of 

our website at 
H:\CorelVentura\r

Wednesday, Novemb

insurance pay

Survivor E

Employees 

If you are enr

the date of yo

automatically 

members, pro

eligible for a 

annuitant who 

spouse and he

the new husba

cannot be add

age 55 will te

benefits cover

continues afte

married to you 

continue for o

one of them is 

Survivor E

Employees 

Insurance 

If you are a re

is eligible for 

in the Federal 

Insurance Pro

existing enrol

Survivor E

Term Care 

If your spouse 

Care Insuranc

your death, hi

die, as long as 

premiums. If 

FLTCIP at the 

for long term 

for a survivor 
H:\CorelVentura\r

Wednesday, Novemb

claim number 

reach us by te

our Services O

www.services

Reaching U

Call us at 1-8

equipment, ca

business hour

hours of 7:30 

Time), you m

Service Speci

inquiry/reque

Making Cha

You can also 

Services Onli

www.services

� Start, cha

tax withh

� Request a 

� Change y

(PIN) for 

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organizat

� Change y

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which yo

� Establish

savings a

� View a st

payment. 

If you make a

feature on our 

number (CSA 

OPM assigned 
H:\CorelVentura\r

Wednesday, Novemb

1-855-887-49

U. S. Off

Federal E

P.O. Box 

Boyers, P

Publications a

www.opm.go

Information f

Survivor Ann

Federal Empl

Benefits Prog

Information A

Employees G

Insurance Pro

Information f

Retirement S

Disability An

Life Events a

Retirement an

Benefits
United StateS


Office Of PerSOnnel ManageMent


Retirement Services 

1900 E Street, NW 

Washington, DC 20415

www.opm.gov/retire 

RI 90-8 

Revised May 2012 

Previous editions are not usable