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 CSRS
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Civil Service Retirement System
- When You May Retire
- How Annuities Are Computed
- Credit For Military Service
- Disability Retirement
- If You Retire Before Age 55
- If You Die in Service
- Providing for Your Survivors on Retirement
- If You Leave the Service
- Making Payments for Previous Service
- Alternative Forms of Annuity
- CSRS Offset Employees Survivor Benefits Under CSRS
- Survivor Annuities Upon Death of Current Employee
- Surviving Spouse
- Survivor Annuities and Military Retired Pay
- Children
- Former Spouse
- Lump Sum Payment Upon Death of a Current Employee
Early
Retirement
- Early Optional Retirement
- Discontinued Service Retirement Because of an Involuntary Separation
- Relocation
- Effect of Reemployment on Retirement Benefits
- Displaced Employee Program
Disability Retirement Under CSRS
- Eligibility
- Computation of Benefits
- Taxes
Reemployment of CSRS Annuitants
- Reemployment for CSRS Annuitants
- CSRS Annuity
-- Annuity Stops
-- Employee Status and Retirement Coverage
-- Benefits when Reemployment Ends
-- Annuity Continues
-- supplemental or Redetermined Benefits
-- Disability Annuitants
- Exceptions
- FERS Election Opportunity
- Federal Employees Health Benefits (FEHB) Program
-- Annuity Stops
-- Annuity Continues
- Federal Employees Group Life Insurance (FEGLI) Program
-- Annuity Stops
-- Annuity Continues
- Special Note for Individuals Who Retired on or After March 30, 1994, and Who Received a
Voluntary Separation Increase.
Voluntary Contributions Under CSRS
- Eligibility
- Amount of Additional Annuity
- Interest
- Limitations of Voluntary Contributions
- Refund of Voluntary Contributions
- Federal Taxation of Voluntary Contributions
- Expediting Refunds of Voluntary Contributions
- Application Forms and Payments
Credit for Unused Sick Leave
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Computing Retirement Benefits
- Computing Retirement Benefits
- How are Annuities Computed Under the General Formula?
- Calculating High 3 Salary
- Annuity Reduction:
-- Deposit Service
-- Survivor Benefits
-- Age
-- Alternative Annuity Election
-- Unpaid Redeposit
-- CSRS Offset
- Deductions from Gross Monthly Annuity
- Commencing Date Military Service Credit
Under CSRS
- Credit for Military Service
- Waiving Military Retired Pay
- Making Deposits for Post-1956 Military Service
- Interest Charges
- Refund of Deposit
Not Eligible for an Immediate
Annuity - CSRS
- Eligibility Requirements for Immediate Retirement
- Retirement Options:
-- Refund
-- Deferred Annuity
- Health Benefits
-- 31 Day Extension of Coverage and Temporary Continuation of Coverage
-- Conversion Privilege
-- Notice of Change in Health Benefits
-- Reinstatement of Coverage
- Life Insurance
-- Coverage Privilege
-- Forms You Should Receive
-- Reinstatement of Coverage
Law Enforcement and Firefighter
- Who is a Law Enforcement or Firefighter?
- What is Law Enforcement and Firefighter Retirement?
- Eligibility to Retire Voluntarily
- Mandatory Separation
- How is the Basic Law Enforcement and Firefighter Annuity Computed?
CSRS
Offset Retirement
- Are You a CSRS Offset Employee?
- What is Different About Being Under CSRS Offset?
- When You May Retire
- Special Requirements
- How CSRS Annuities Are Computed
- CSRS Offset Annuity Reduction
- When Will the CSRS Offset Annuity Be Reduced?
- How is the Offset Computed?
- Cost of Living Increases
- Credit for Military Service
- CSRS Offset Disability Retirement
- If You Retire Before Age 55
- If You Die While Employed as a CSRS Offset Employee
- Providing for Your Survivor at Retirement
- If You Leave the Service
- Making Payments for Previous Service
- Alternative Form of Annuity
- Who Can Advise About the Amount of the Offset?
- Can I Participate in the Thrift Savings Plan as a CSRS Offset Employee?
- Will Payment of My CSRS Offset Annuity Affect the Amount of My Social Security Benefits?
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| FERS |
FERS Pamphlet
- Overview
- Social Security
- Basic Benefit Plan
- Thrift Savings Plan
- Special Groups of Employees
- Enrolling in FERS
- Examples Not Eligible for an Immediate
Annuity - FERS
- Eligibility Requirements for Immediate Retirement
- Retirement Options:
-- Refund
-- Deferred Annuity
- Health Benefits
-- 31-Day Extension of Coverage and Temporary Continuation of Coverage
-- Conversion of Coverage
-- Notice of Change in Health Benefits Enrollment
-- Reinstatement Coverage
- Life Insurance
-- Conversion Privilege
-- Forms You Should Receive
-- Reinstatement of Coverage
Information for People Who
Have Retired Under FERS
- Computation of Federal Employees Retirement System (FERS) Benefit
- Alternative Annuities
- Annuity Supplement
- Cost-Of-Living Adjustments
- Payments
- Taxes and Other Deductions from Your Annuity
- Waiving Benefits
- Employment After Retirement
- Changing Your Retirement to Disability
- Changing Your Survivor Election After Retirement
- Entitlement to Other Benefits/Effect on Federal Employees Retirement System (FERS)
Annuity
- Death Benefits
- Contacting the Office of Personnel Management (OPM)
Transfer
Handbook
- CSRS and FERS: How Do They Work
- FERS
- CSRS
- Special Transfer Rules: CSRS to FERS
- Making Your Decision
- Brief Description of the Social Security Program
- Special Employee Groups
- Service Credit Deposits and Refunds
- Examples
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Applying for Immediate Retirement
- Age and Service Requirements
- Minimum Retirement Age (MRA)
- Age Reduction
- Postponing the Beginning Date of Annuity to Reduce or Avoid the Age Reduction
- If You Choose to Postpone the Beginning Date of Your Annuity, You Should Be Aware of the
Following: Life Insurance, Health Insurance, COLA's and Survivor Benefits
- Continuing Health Benefits and Life Insurance Coverage Into Retirement
- Applying for Benefits
- Form to Use
- Submitting the Application
- What to do if Your Address Changes Before Processing is Complete
- What Happens After You File Your Retirement Application
- Beginning Date of Annuity
- Payment and Accrual of Annuity
- How to Have Annuity Payments Sent to a Bank or Financial Institution
- Federal Income Tax Withholding
- Survivor Benefits Married Applicants
- Waiving the Spousal Consent Requirement
- Electing a Survivor Annuity for a Former Spouse
- Electing a Survivor Annuity for a Current Spouse When a Court Order Gives a Survivor
Annuity to a Former Spouse
- Electing an Insurable Interest Annuity for a Current Spouse When a Court-Order Gives a
Survivor Annuity to a Former Spouse
- Electing an Insurable Interest Survivor Benefit for an Individual Other than Your Spouse
- Termination of the Reduction in Your Annuity to Provide a Survivor Benefit: Current
Spouse, Former Spouse, and Insurable Interest
- Changing the Survivor Election After Retirement:
-- If It Is Within 30 Days of Your First Regular Annuity Payment
-- If It Is More Than 30 Days From the Date of Your First Regular Monthly Payment, but
Less than 18-Months from the Beginning Date of Your Annuity
-- Electing Survivor Benefits for a Spouse Acquired After Retirement Applying for Death Benefit Under FERS
General Information
Eligibility for Death Benefit
Benefits Payable Upon the Death of a Federal Employee
Benefits Payable Upon the Death of a Former Employee (Not Yet Retired)
Benefits Payable Upon the Death of a Retiree
Applying for Death Benefits
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| Both
CSRS and FERS |
Thinking About Retirement
- Preparing For Retirement
-- Five or More Years Before Your Planned Retirement Date
-- One Year Before Retirement
-- Six Months Before Retirement
-- Two Months Before Retirement
- How Your Agency Processes Your Application for Retirement
-- Your Personnel Office
-- Your Payrol Office
- How OPM Processes Your Application for Retirement Court-Ordered Benefits for Former
Spouses
- What Benefits can be Affected by a Court Order/
- Do the Same Rules that Apply to Private Sector Employees Apply to Federal Employees and
Retirees?
- Where Does My Attorney Find the Rules that Apply to Court Orders Affecting CSRS, FERS,
FEHB, and FEGLI Benefits?
- When can a Court Require Money to be Withheld from a CSRS or FERS Benefit?
- How can Survivor Benefits be Provided for a Former Spouse?
- What is the Effect of Court-Ordered Benefits Awarded to a Former Spouse on Survivor
Benefits for a Current Spouse?
- Restrictions on Modifications of Survivor Benefits After Retirement
- Garnishment of CSRS and FERS Benefits
- Health Benefits Coverage
- Life Insurance
- Designations of Beneficiary for Life Insurance and Retirement Contributions
- What is the Role of the Employee's Agency?
- What is the Role of U.S. Office of Personnel Management (OPM)?
Payments for Injury or Death on the Job
- Workers Compensation Benefits
- Retirement Benefits
- CSRS
-- Disability Benefits
-- Death Benefits
- FERS
-- Disability Benefits
-- Death Benefits
- Insurance Benefits
- Federal Employees Group Life Insurance (FEGLI)
- Thrift Savings Plan (TSP)
- Unpaid Compensation
- Social Security Benefits
- Public Safety Officer's Benefits |
1999
COLA Adjustments for Annuities Life
Events - Retirement and Insurance Benefits
- You Move
- You Change Where Your Electronic Payment Goes
- You Marry
- You Divorce
- You Have a Baby (or Adopt)
- You Acquire a Step Child or a Foster Child
- Your Child Reaches Age 22
- You Reach Age 65
- Your Spouse Dies
- Your Former Spouse Dies or Marries Before Age 55
- Your Child Dies
- You Want to Change Your Designations of Beneficiary
- You Want to Assign Your Life Insurance
- You Become Disabled
- You Are Terminally Ill
- You Are Injured on the Job
- You Die
Benefits for Employees in Career
Transition
Part 1: Advanced Planning to make Career Transition as smooth as possible
Part 2: Eligibility for an Immediate Annuity and related benefits
Part 3: Information for people not eligible for an immediate annuity
Part 4: Answers to commonly asked questions concerning Thrift Savings Plan (TSP) account
when you leave Federal service
Part 5: Two provisions of Social Security law that affect many Federal employee's Social
Security Benefits
Part 6: Changing Jobs without a break in service
Part 7: Benefits for people returning to Federal employment after a break in service
Part 8: Working with: (1) OPM's Retirement and Insurance Service (RIS), (2) the Civil
Service Retirement System (CSRS), and (3) the Federal Employees Retirement System (FERS)
Part 9: Practical Checklists and Worksheets to help calculate and analyze your benefits |
| Thrift Savings Plan (TSP) |
TSP
at a Glance
- When can I Participate in the TSP?
- How do I Sign Up for the TSP?
- Why is the TSP Especially Important for FERS Employees?
- How Does the TSP Benefit CSRS Employees?
- What TSP Benefits Apply to Both FERS and CSRS Employees?
- What Are My Investment Options?
- Can I Change the Way the Money in My Account is Invested?
- How Do I Keep Track of My Account?
- What Are My Withdrawal Options? Guide to TSP Investments
- Investment Considerations and Approaches
- Investment Fund Management
- Operations
Annuities
- TSP Annuities
- Administration of Your Annuity
- Types of TSP Annuities
- Single Life and Joint Life Annuities
- Additional Annuity Features
- Level and Increasing Payment Annuities
- Additional Annuity Features
- Spouses' Rights
- Choosing a Joint Annuitant Who Is Not Your Spouse
- Choosing Among the Annuity Options
- Estimating Your Monthly Annuity Payments
- How Annuity Payments are Taxed
- Requesting an Annuity
- Information Your Agency Must Provide
- Changing Your Annuity Request
- When Your Annuity Payments Will Start
- What Happens to Your Annuity When You Die
TSP
In-Service Withdrawals
- Understanding In-Service Withdrawals
- General Rules About In-Service Withdrawals
- More About Age-Based Withdrawals
- More About Financial Hardship Withdrawals
- Documenting Extraordinary Expenses
- Household Improvements Needed for Medical Care
- Personal Casualty Loss
- Legal Expenses for Divorce or Separation
- Medical Expenses |
Summary
for Federal Employees
- The Thrift Savings Plan
- Participating in TSP
- Tax Advantages
- Understanding Agency Contributions
- Understanding Your TSP Account
- Projecting Your Account Balance
- Your Investment Options
- Interfund Transfers
- TSP Loan Program
- Getting Your Money Out
- TSP Annuities
- Spouse's Rights
- Other TSP Information Withdrawing Your TSP Account
- Requesting Your Withdrawal
- Your Withdrawal Options
- Transferring Your TSP Account
- How TSP Payments are Taxed
- Changing Your Withdrawal Election
- Restrictions on Leaving Your Money in the TSP
- Reporting Changes in Personal Information
- Death Benefits
- Vesting Requirements
- Automatic Cashout of Small Accounts
- Spouses' Rights
- Court Orders
- Withdrawal Rules for Rehired Participants
Information
About Court Orders
TSP
In-ServiceWithdrawals
- Understanding In-Service Withdrawals
- General Rules About In-Service Withdrawals
- More About Age-Based Withdrawals
- More About Financial Hardship Withdrawals
- Documenting Extraordinary Expenses
- Household Improvements Needed for Medical Care
- Personal Casualty Loss
- Legal Expenses for Divorce or Separation
- Medical Expenses
Loan
Program
- Eligibility and Loan Purposes
- The Cost of a Loan
- Restrictions on a Loan
- Applying for a Residential, Education, or Medical Loan
- Applying for a Hardship Loan
- Paying Back a Loan |
| Federal Employees' Group Life Insurance
(FEGLI) |
FEGLI
Booklet for Federal Employees
- Life Insurance Means Peace Of Mind For You And Your Family
- FEGLI Service Standards
- How Do I Choose The Right Amount Of Life Insurance?
- Who Is Eligible?
- When Does My Coverage Begin?
- What Is Basic Life Insurance?
- What If I Want Optional Insurance?
- Option A – Standard
- Option B – Additional
- Option C – Family
- What Is Accidental Death And Dismemberment (AD&D) Insurance?
- AD&D Schedule Of Losses
- What If I Want To Change My Life Insurance Coverage?
- Open Enrollment
- Physical Exam
- Life Event
- When Will My Life Insurance Stop?
- Am I Entitled To A Temporary Extension Of My Life Insurance?
- Can I Voluntarily Cancel My Insurance?
- What Happens To My Insurance Coverage After Retirement?
- Miscellaneous Provisions
- Assignment
- Break In Service
- Conversion
- Direct Payment Of Premiums
- Incontestability
- Living Benefits
- Nonpay Status
- Portability
- Reconsideration
- Workers’ Compensation
- Who Gets The Money After I Die?
- How Should Someone File A Claim?
- How Are Benefits Paid?
- SUMMARY
- LIFE INSURANCE WORKSHEET
- SAMPLE ELECTION FORM
- CHANGES AND CLARIFICATIONS
- LIFE INSURANCE FORMS
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FEGLI
Booklet for Postal Employees
Same as FEGLI Booklet for Federal Employees FEGLI Pamphlet for Retirees
Contacting Us At OPM
Employees’ Group Life Insurance Program
Requirements for Continuing Life Insurance Coverage Into Retirement
If You Were Not Eligible to Continue Life Insurance as a Retiree
Time Limit on Converting to an Individual Policy
The Cost of Your Coverage
Basic Life Insurance
Option A - Standard Insurance
Option B - Additional Insurance
Option C - Family Insurance
How to Change Your Life Insurance Coverage After Retirement
Termination of Life Insurance
Reemployment in the Federal Service
If Annuity Terminates Due to Reemployment
If Annuity Continues During Reemployment
After Your Reemployment Ends
Who Receives Your Basic Life, Option A -Standard, and Option B - Additional Insurance
Benefits
How to Designate a Beneficiary
How Your Survivors Apply for Life Insurance Benefits
Who Receives Benefits Under Your Option C -Family Insurance
How to File a Claim for Option C-Family Insurance Benefits
Living Benefits
Irrevocable Assignment of Life Insurance
Information for Compensationers
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