The SF 3107 form, or the Application for Immediate Retirement, Federal Employees Retirement System, serves as a critical document for federal employees looking to retire. Revised to meet the requirements set by Public Law 104-134, this form now includes options for receiving annuity payments either through direct deposit or by certifying the absence of a bank account. Those contemplating retirement can utilize this form alongside a comprehensive guide provided in the "Applying for Immediate Retirement Under the Federal Employees Retirement System" pamphlet.
Ready to secure your retirement benefits? Click the button below to get started on your SF 3107 form.
Navigating the transition into retirement is a significant milestone for federal employees, encapsulated in the meticulous completion of the Standard Form (SF) 3107, Application for Immediate Retirement, Federal Employees Retirement System (FERS). In a comprehensive overhaul aiming to streamline the retirement process, the United States Office of Personnel Management (OPM) introduced a revised edition of SF 3107, dated January 1997, supplanting previous versions from March 1988 and November 1995. This revision, motivated by the mandates of Public Law 104-134 effective July 26, 1996, incorporates provisions for Electronic Funds Transfer (EFT), ensuring retirees and survivors can opt for direct deposit of their annuity payments, thereby aligning with modern financial practices. Alongside the form, OPM also updated the informational pamphlet, now titled "Applying for Immediate Retirement Under the Federal Employees Retirement System" (SF 3113), offering a treasure trove of guidance on eligibility, health benefits, life insurance coverage, and application procedures to ease the journey into retirement. These resources, integral to the Federal Employees Retirement System, mark a pivotal step in ensuring a seamless transition for federal employees as they embark on their retirement journey, catering to both logistical needs and providing a blueprint for the path ahead.
Application for Immediate Retirement
Federal Employees Retirement System
This application is for you if you are a Federal employee covered by the Federal Employees Retirement System (FERS) and you wish to apply for retirement with an immediate annuity. You should use this application if you want to apply for an annuity which will begin within 30 days of your separation from Federal service.
Do not use this application to apply for a deferred annuity. A deferred annuity begins more than 30 days after the date of final separation. If you want to apply for a deferred annuity, call the Office of Personnel Management (OPM) on 1-888-767-6738 (TTY: 1-855-887-4957) to request an RI 92-19, FERS Application for Deferred or Postponed Retirement. If you prefer, you can write to us at Office of Personnel Management, Federal Employees Retirement System, P.O. Box 45, Boyers, PA 16017-0045, or email us at retire@opm.gov. You can also find this form on our website at www.opm.gov/forms/Retirement-and-Insurance-Forms.
You should have received an informational pamphlet SF 3113, Applying for Immediate Retirement Under the Federal Employees Retirement System, with this application. If you did not receive the pamphlet you should get a copy from your employing agency or from our website at www.opm.gov/retirement-services/publications-forms/pamphlets/#url=FERS.
Retirement benefits and retirement processing are complicated. Read the information in the pamphlet carefully. When you decide to retire, give your agency advance notice so it can be sure your records are complete and it can carry out its responsibilities in processing the paperwork associated with your retirement.
Give your completed application to the personnel office of your employing agency. They will forward your application to your agency payroll office and then to the Office of Personnel Management for processing. If you have any questions, ask your employing office for assistance.
You must apply separately for any benefits payable from the Thrift Savings Plan and the Social Security Administration.
If your address changes after your application has been forwarded to the Office of Personnel Management, call us on 1-888-767-6738 (TTY: 1-855-887-4957). If you prefer, you can write to us at the address above. If you have received your claim number, please refer to it. If you have not received your claim number we'll need your name, date of birth and social security number.
Instructions for Completing Application
Type or print clearly. If you need more space in any section, use
Item 4: Indicate whether or not you have performed active duty
a plain piece of paper with your name, date of birth, and Social
that terminated under honorable conditions in the
Security Number written at the top. If you do not know an
armed services or other uniformed services of the
answer write "unknown." If you are unsure of information (for
United States including the following:
example, if you do not know an exact date), answer to the best
a.
Army, Navy, Marine Corps, Air Force or Coast
of your ability, followed by a question mark (?).
Guard of United States;
The following additional information should help you to answer
b.
Regular Corps or Reserved Corps of the Public
those questions on the application which are not entirely
Health Service after June 30, 1960;
self-explanatory.
c.
Commissioned Officer of the National Oceanic
Section A - Identifying Information
and Atmospheric Administration after June 30,
Item 2: List other names under which you have been employed
1961 or a predecessor entity in function;
in the Federal government (such as a maiden name).
d.
Cadet at the U.S. Military Academy, U.S. Air
This will help us to locate and identify records
maintained under these names.
Force Academy, U.S. Coast Guard Academy, or
midshipman at the U.S. Naval Academy.
Item 3: Enter the address to which correspondence should be
e.
Excluding the National Guard, active service in the
mailed. Do not enter the bank address where your
payments will be deposited here; see Section H of the
reserve components of the uniformed services,
application form for payment information.
including active duty for training, is military
Item 4: Give a telephone number where you can be reached
service. Service as a National Guard member does
not meet the definition of military service for
after you retire and the best time to reach you during
purposes of civil service retirement, except when
business hours.
the member is ordered to active duty in the service
Section B - Federal Service
of the United States or performs full-time National
Guard duty (as such term is defined in section
Item 2: Enter the date of final separation for retirement. (Leave
101(d) of title 10) if the National Guard duty
interrupts creditable civilian service under
blank if applying for disability retirement and not
subchapter I of chapter 84 of title 5, and is
separated.) Please note that if you are currently serving
followed by reemployment in accordance with
in more than one appointive or elective position in the
chapter 43 of title 38 that occurs on or after August
Federal Government, you must separate from all such
1, 1990.
positions before you can qualify for an immediate
retirement.
CSRS/FERS Handbook for Personnel and Payroll Offices 3107-108
Previous editions are not usable.
Standard Form 3107
Revised May 2014
If you have performed such service, complete and attach Schedule A, furnishing the requested information for each period of active duty.
To receive FERS credit for military service performed on or after January 1, 1957, you must pay a deposit. The amount of the deposit is:
For service performed through 12/31/98 (3% of your military basic pay).
For service performed from 1/1/99 through 12/31/99 (3.25% of your military basic pay).
For service performed from 1/1/00 through 12/31/00 (3.4% of your military basic pay).
For service performed from 1/1/01 to the present (3% of your military basic pay).
You must pay the deposit to your agency while you are still employed. You may not pay OPM after you retire.
If you are entitled to have part of your retirement computed under CSRS rules, military service performed prior to your transfer to FERS comes under CSRS deposit rules. These rules are as follows:
The CSRS deposit is 7 percent of your military basic pay.
If you were first employed in a civilian position subject to CSRS coverage before October 1, 1982, you do not pay the deposit and you are eligible for a Social Security benefit at age 62, the CSRS part of your annuity will be recomputed at age 62 to delete credit for the post-1956 military service.
If you were first employed in a civilian position subject to CSRS coverage on or after October 1, 1982, you will not receive any credit for post-1956 military service if you do not make the deposit for it.
CSRS military service deposits must also be paid to your agency while you are still employed.
The law gives an alternate method to compute the military deposit if an employee served on active duty, and such service interrupted creditable civilian service under subchapter I of chapter 84 of title 5, and was followed by reemployment in accordance with chapter 43 of title 38 that occurs on or after August 1, 1990. The employee pays no more than the amount of retirement contributions that would have been withheld from basic pay during civilian service if the employee had not performed the period of military service.
Item 5: If you are receiving, or have applied for, military retired pay or benefits from the Department of Veterans Affairs in lieu of military retired pay, answer "yes" to Item 5, then complete and attach Schedule B-Military Retired Pay. (Note: Military retired pay includes disability retired pay and reserve retainer pay.)
This information is needed to assure correct credit for military service. With limited exceptions, you must waive your military retired pay to receive credit for your military service in your FERS annuity.
You may receive credit in your FERS annuity for your military service without waiving your military retired pay if you are entitled to military retired pay awarded for:
reserve service under Chapter 1223, title 10, U.S. Code (formerly Chapter 67, title 10); or
a disability incurred in combat with an enemy of the United States; or caused by an instrumentality of war in the line of duty during a period of war as defined by Section 1101 of title 38.
Attach a copy of your retirement order from your military service to this application. If applicable, also attach a copy of your military service's determination that your military disability retirement was service connected and incurred in combat as described, or caused by an instrumentality of war as described. Only your military service branch can make this determination; the Department of Veterans Affairs cannot make this determination. If you do not have verification of the type and conditions of your military retirement, you should get the verification from the retirement service organization of your military service before you retire from your civilian position.
If you are waiving military retired pay for FERS retirement purposes, your agency can help you prepare your request for waiver. Attaching a copy of your waiver request and the military finance center's acknowledgment (if available) to your application may help us to process your claim more quickly. (Even if you have already waived your military retired pay to receive benefits from the Department of Veterans Affairs, you also need to file a waiver for FERS.)
Obtain counseling from the military before waiving military retired pay for FERS retirement if you receive or may receive Combat Related Special Compensation (CRSC) or concurrent receipt of military retired pay and veterans compensation.
Reminder: Even if you have waived military retired pay or qualify for one of the exceptions to waiver, you must pay a military deposit for your military service performed after 1956 to receive credit for the service in your FERS annuity, and the military deposit must be paid to your employing agency before you retire.
Section C - Marital Information
Item 2: Indicate whether you have a living former spouse to whom a court order awards a survivor annuity or a portion of your retirement benefits based on your Federal employment. If you answer "yes," you must submit a certified copy of the court order and any attachments or amendments.
Section D - Annuity Election
(See pages 13-20 of SF 3113, Applying for Immediate Retirement Under the Federal Employees Retirement System.)
Read the information about survivor benefits found in the pamphlet, Applying for Immediate Retirement Under FERS, before completing Section D.
Survivor elections terminate upon the death of the person elected. An election of a survivor annuity for a current spouse in box 1 or 2 also terminates upon a divorce from that spouse. An election of a survivor annuity for a former spouse in box 5 also terminates if that former spouse remarries before age 55, unless the annuitant and the former spouse were married for 30 years or more. You must notify us when one of those events terminating a survivor election occurs. Also notify us if a former spouse who is entitled to a survivor annuity under a court order acceptable for processing becomes ineligible for the former spouse annuity because of a reason specified in the court order or because of a remarriage prior to age 55.
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Please note that, in accordance with the law, both a survivor
You may elect to provide a survivor annuity for more
annuity election made at retirement and a survivor annuity
than one former spouse. The total of the survivor
election made before a divorce, terminate upon death or
annuities must equal either 25% or 50% of your
divorce and the annuitant must make a new election (reelection)
unreduced annuity.
within 2 years after the terminating event to provide a survivor
If you are married, you must have your spouse's consent
annuity for a spouse acquired after retirement or for a former
spouse. Continuing a survivor reduction, by itself, is not
to choose this option, because any benefit elected for a
effective to reelect a survivor annuity for a spouse married after
former spouse limits what can be elected for your
retirement or for a former spouse.
current spouse. (Complete and attach SF 3107-2,
Box 4: If you initial Box 4, a person selected by you,
Spouse's Consent to Survivor Election, to your
application.) The maximum combined survivor benefits
who has an insurable interest in you, will receive
that can be elected for your current and former spouse(s)
a survivor annuity upon your death. Insurable
is 50% of your benefit.
interest exists if the person named may reasonably
expect to derive financial benefit from your
Section E - Insurance Information
continued life. A disabled child or a former
Item 1b: Indicate whether there is a court order or
spouse are persons who might have an insurable
interest in you.
administrative order currently in effect that
If you choose an insurable interest survivor
requires you to provide health benefits coverage
for your child(ren). If you answer "yes", you must
annuity, the survivor annuity will be 55 percent of
submit a copy of the court order or administrative
your annuity after your annuity has been reduced
order.
to provide this benefit. The table below shows the
reduction percentages.
Section F - Other Claim Information
Any employee who is not retiring for disability
Item 1: If you have applied for, or have ever received, workers'
and who can prove good health may elect a
compensation from the Office of Workers'
reduced annuity to provide a survivor annuity for
Compensation Programs, U.S. Department of Labor,
a person having an insurable interest in the
because of a job-related illness or injury, check the
retiree.
"yes" box and complete Schedule C.
You may elect this insurable interest survivor annuity
In Schedule C you should provide the following
in addition to a regular survivor annuity for a current or
information:
former spouse. If you elect an insurable interest annuity
for your current spouse, you must both jointly waive
1. If you are receiving or have received
the current spouse annuity. Generally, an insurable
compensation, enter your compensation claim
interest annuity cannot be cancelled. However, if you
number(s), the beginning and ending dates of each
elect an insurable interest annuity for your current
period for which compensation was paid, and
spouse because a former spouse is entitled to the
whether the benefits were a scheduled award,
regular survivor annuity (under a court order acceptable
disability or other type of compensation.
for processing or based on your election of that
2. If you have applied for, but are not receiving
survivor benefit for the former spouse), you can
convert the insurable interest election for your current
benefits, indicate whether your claim is pending
spouse to a current spouse annuity within two (2) years
or has been denied and the claim numbers
of the former spouse losing entitlement to the regular
applicable.
survivor annuity.
3. Indicate whether you agree to notify us if the
If you choose an insurable interest annuity, the amount
status of your workers' compensation claim
of the reduction in your annuity will depend upon the
changes and whether or not you authorize the
difference between your age and the age of the person
Office of Personnel Management and/or the
named as survivor annuitant, as shown in the table
Office of Workers' Compensation Programs to
below.
collect any overpayment if we find that you
Age of the Person Named
Reduction
were paid, but not eligible for, both compensation
in Relation to That of
in Annuity
and annuity benefits covering the same period of
time. Without this authorization from you, we
Retiring Employee
of Retiring
will not pay your annuity until we can confirm
Employee
that OWCP is not paying you compensation.
Older, same age, or less than 5 years younger
10%
The information requested regarding benefits from
the Office of Workers' Compensation Programs is
5 but less than 10 years younger
15%
needed because the law prohibits the dual compen-
10 but less than 15 years younger
20%
sation which would exist if you received both a
FERS annuity and compensation for total or partial
disability under the Federal Employees' Compen-
15 but less than 20 years younger
25%
sation Act.
20 but less than 25 years younger
30%
Section G - Information About Children
25 but less than 30 years younger
35%
Complete Section G by providing the names and dates of birth
30 or more years younger
40%
of your unmarried dependent children under the age of 22. Also
list any child who is over age 22 and incapable of self-support
Box 5: If you initial box 5, your former spouse(s) will receive a
because of mental or physical disability incurred before age 18.
Check the box headed "disabled" by the name of each child to
survivor annuity upon your death. The maximum
whom this applies. Information about your children in your
survivor annuity payable to your former spouse(s) is
annuity claim file may help to expedite the processing of claims
50% of your unreduced annuity. Your annuity will be
for survivor benefits in the event of your death.
reduced 5% or 10% according to the total benefit you
want to provide.
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Section H - Payment Instructions
Complete in all cases. The US Department of the Treasury pays all Federal benefit payments electronically. Most Federal payments are paid by Direct Deposit into a savings or checking account at a financial institution. If you do not have a bank account, or prefer not to have your annuity payments deposited directly to your bank account, you can choose a Direct Express debit card. If you choose this option, your annuity payment will be automatically deposited to the Direct Express card on the payment date. To obtain a debit card, go to www.godirect.org or call 1-800-333-1795. If your payments are not electronically deposited to your account and you do not have a Direct Express card, you must contact the Department of the Treasury at 1-800-333-1795.
You cannot receive your annuity payments by direct deposit or the Direct Express debit card program if your permanent payment address is outside the United States in a country where these programs are not available.
Section I - Applicant's Certification
Be sure to sign (do not print) and date your application after reviewing the warning.
Privacy Act Statement
Solicitation of this information is authorized by the Federal Employees Retirement law, (Chapter 84, title 5, U.S. Code), the Federal Employees Group Life Insurance law (Chapter 87, title 5, U.S. Code) and the Federal Employees Health Benefits law (Chapter 89, title 5, U.S. Code). The information you furnish will be used to identify records properly associated with your application for Federal benefits, to obtain additional information if necessary, to determine and allow present or future benefits, and to maintain a unique identifiable claim file. The information may be shared and is subject to verification via paper, electronic media, or through the use of computer matching programs with national, state, local or other charitable or social security administrative agencies in order to determine benefits under their programs, to obtain information necessary for determination or continuation of benefits under this program, or to report income for tax purposes. It may also be shared and verified, as noted above, with law enforcement agencies when they are investigating a violation or potential violation of civil or criminal law. Executive Order 9397 (November 22, 1943) authorizes use of the Social Security Number. The Government may use your number in collecting and reporting amounts that you owe the Government. Failure to furnish the requested information may delay or prevent action on your application. Information you provide about your unmarried dependent children may be used to expedite their claims after you die; however, your failure to supply such information will not affect any future rights they may have to benefits.
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See Privacy Act
Information on
Instruction Sheet
1.
Name (last, first, middle)
2. List all other names you have used
3.
Address (number, street, city, state, ZIP code)
4a.
Daytime telephone # after retirement (including area
4b.
Best time to reach you
code)
4c.
Home email address
4d.
FAX Number
5.
Date of birth (mm/dd/yyyy)
6.
Social Security Number
7.
Are you a citizen of the United States of America?
8.
Is this an application for disability retirement?
Yes
No
Yes (Ask your employing office about other documents you must submit)
Department or agency from which you are retiring (include bureau or division, address and ZIP code)
2.
Date of final separation (mm/dd/yyyy)
Title of position from which you are
retiring
3a.
Your pay plan and occupational series
4.Have you performed active honorable service in the Armed Forces or other uniformed services of the United States (see instructions for definitions)?
Yes (Complete Schedule A and attach it to this form)
5.Are you receiving or have you applied for military retired pay? (Note: If you later become entitled to military retired pay you must notify OPM.)
Yes (Complete Schedule B and attach it to this form)
Section C - Marital Information (All applicants must complete questions 1 and 2 below.)
1.Are you married now? (A marriage exists until ended by death, divorce, or annulment.)
Yes (Complete items 1a - 1f and attach a copy of your marriage certificate)
No (Go to item 2)
1a.
Spouse's name (last, first, middle)
1b.
Spouse's date of birth (mm/dd/yyyy)
1c. Spouse's Social Security Number
1d.
Place of marriage (city, state)
1e. Date of marriage (mm/dd/yyyy)
1f.
Marriage performed by:
Clergyman or Justice of Peace
Other (explain):
2.Do you have a living former spouse(s) to whom a court order gives a survivor annuity or a portion of your retirement benefits based on your Federal employment?
Yes (Attach a certified copy of the court order[s] and any amendments.)
Make your election by initialing the box beside the type of annuity you want to receive and give any other information requested. Read the pamphlet SF 3113, Applying for Immediate Retirement under FERS and the explanations below and consider your election carefully. No change will be permitted after your annuity is granted except as explained in the pamphlet. If you are married at retirement, the law provides an annuity with full survivor benefits for your spouse unless your spouse consents to your election not to provide maximum survivor benefits.
Your election to provide a survivor annuity for a current spouse terminates upon the death of that spouse or if the marriage ends due to divorce or annulment. You are required to make a new election (reelect) within 2 years of the terminating event if you wish to reelect a survivor annuity for a former spouse or within 2 years of a post-retirement marriage to elect a survivor annuity for a spouse acquired after retirement. Continuing a survivor reduction by itself, is not effective to reelect a survivor annuity for a spouse married after retirement or for a former spouse.
If you want to elect a partial survivor annuity for your current spouse and a survivor benefit for a former spouse, you should complete options 2 and 5 below. The total of the survivor annuities elected cannot exceed 50 percent. An election of an insurable interest survivor in option 4 is not included when determining the 50 percent maximum.
Initials
I choose a reduced annuity with maximum survivor annuity for my spouse named in Section C. If you are married at retirement, you will receive this type of annuity unless your spouse consents to your election not to provide maximum survivor benefits. If you receive this annuity, your annuity will be reduced by 10%. Your spouse's annuity upon your death will be 50% of your unreduced earned annuity.
I choose a reduced annuity with a partial survivor annuity for my spouse named in Section C. If you choose this option, your annuity will be reduced by 5%. Upon your death, your spouse's annuity will be 25% of your unreduced earned annuity. You must have your spouse's consent to choose this option. Complete form SF 3107-2, Spouse's Consent to Survivor Election, and attach it to your application.
I choose an annuity payable only during my lifetime. If you are married at retirement, you cannot choose this type of annuity without your spouse's consent. No survivor annuity will be paid to your spouse after your death if he or she consents to this election and any health benefits will cease. In addition, your spouse will not be eligible to enroll in the Federal Long Term Care Insurance Program, if he/she is not enrolled at the time of your death. If you are married and elect this, complete form SF 3107-2, Spouse's Consent to Survivor Election, and attach it to your application.
3107-108
CSRS/FERS Handbook for Personnel and Payroll Offices
4.
I choose a reduced annuity with survivor annuity for the person named below who has an insurable interest in me. You must be healthy and willing to provide medical evidence if you choose this type of annuity. (Disability annuitants are not eligible to choose this type of annuity.) If you are married and elect this option for your spouse, complete SF 3107-2, Spouse's Consent to Survivor Election and attach it to your application.
Name of person with insurable interest
Relationship to you
I choose a reduced annuity with survivor annuity for my former spouse(s) as follows: You must attach: (1) Copies of divorce
decrees for all former spouses for whom you elect to provide a survivor annuity. (2) If you are married, attach a completed
SF 3107-2,
Spouse's Consent to Survivor Election. You cannot choose this option and provide a maximum survivor annuity for
your spouse (Box 1). Your election to provide a survivor annuity for a former spouse terminates upon the death of that spouse or the remarriage of your former spouse before age 55.
Name and address of former spouse
Date of marriage
Date of divorce
(mm/dd/yyyy)
Survivor annuity equal
to _______________%
Date of birth
of my annuity
Total (either 25% or 50% of your unreduced annuity)
_______________%
See the pamphlet SF 3113, Applying for Immediate Retirement Under the Federal Employees Retirement System, for information.
Are you eligible to continue Federal Employees Health Benefits coverage as a
1b. Is there a court order or administrative order currently in effect that requires
retiree?
you to provide health benefits coverage for your child(ren)?
Yes (Attach a copy of the court/administrative order)
Are you eligible to continue Federal Employee's Group Life Insurance coverage as a retiree?
Are you enrolled in the Federal Dental and Vision Insurance Program (FEDVIP)?
Yes Your coverage will automatically continue into retirement as long as you continue to pay applicable premiums. Until work on your annuity is completed, you may receive bills from BENEFEDS. You must pay these bills in order to keep your FEDVIP coverage. After work on your annuity is completed, BENEFEDS will automatically begin deducting from your annuity to pay future premiums. If you have questions, please contact BENEFEDS at 1-877-888-3337.
No If you retire on an immediate annuity, you can enroll in FEDVIP during any Federal Benefits Open Season.
Are you currently enrolled in the Federal Long Term Care Insurance Program (FLTCIP)?
Yes You will automatically continue your coverage into retirement, as long as you continue to pay applicable premiums. If you are currently paying FLTCIP premiums by agency payroll deduction, you must arrange to pay premiums another way, either by deductions from your annuity, through automatic bank debit or direct bill. Please call LTC Partners at 1-800-LTC-FEDS (1-800-582-3337) to make these arrangements.
1.Have you applied for, are you receiving, or have you ever received workers' compensation from the Department of Labor because of a job-related illness or injury?
Yes (Complete Schedule C and attach it to this form)
Have you previously filed any application under the Civil Service Retirement System or Federal Employees Retirement System (for retirement, refund, deposit or redeposit,
or voluntary contributions)?
Yes (Complete items 2a and 2b below.)
2a.
Type of application
Refund
Deposit or redeposit
2b.
Claim number(s)
Retirement
Return of excess deductions
Voluntary contributions
Section G (Optional) - Information About Your Unmarried Dependent Children
1.Dependent child's name
(first, middle, last)
2.Date of birth (mm/dd/yyyy)
3.Disabled 1.
Dependent child's name
()
3.Disabled
3107-107
Standard Form 3107 Revised May 2014
1.Federal benefits payments will be made electronically by Direct Deposit into a savings or checking account or by a Direct Express debit card provided by the Department of the Treasury. See the instructions for Section H of this application and SF 3113 (Applying for Immediate Retirement Under the Federal Employees Retirement System) for additional information. This does not apply to you if your permanent payment address is outside the United States in a country not accessible via direct deposit.
Please select one of the following:
Please send my annuity payments directly to my checking or savings account. (Go to item 2) Please send my annuity payments to my Direct Express debit card. (Go to item 3a)
My permanent payment address is outside the United States in a country not accessible via Direct Deposit/Direct Express. (Go to item 3a)
Financial Institution Routing Number
You may obtain this number by calling your bank, credit union, or savings institution.
This number is very important. We cannot pay by direct deposit without it.
Checking or Savings Account Number
2c. What kind of account is this?
2d. Telephone number of your Financial Institution (including area code)
Checking
Savings
2e.
Name and address of Financial Institution
Special Note: If you prefer, you may attach a cancelled personal check that
shows the information requested above, instead of filling in the requested
financial institution information. If you attach your personal check, it is
especially important that you contact your bank, credit union, or savings
institution to confirm that the information on the check is the correct
information for direct deposit. (Some institutions, especially credit unions,
use different routing numbers on checks.) We can then use this information
to start paying you by direct deposit.
Do you want Federal income tax withheld from your annuity payments?
3b. Do you want to have Federal Income Tax withheld at the rate currently being
withheld from your salary?
Yes (Attach copy of W-4 form on file with your employing agency.)
Yes (Go to item 3b)
No (Go to Section I)
No (Attach new W-4 form, otherwise withholding will be at rate for
married with 3 exemptions.)
Warning
Any intentionally false statement in this application or willful misrepresentation relative thereto is a violation of the law punishable by a fine of not more than $10,000 or imprisonment of not more than 5 years, or both. (18 U.S.C. 1001)
I hereby certify that all statements made in this application are true to the best of my knowledge and belief.
Signature (Do not print)
Date (mm/dd/yyyy)
Applicant's Checklist
This checklist is provided to help you be certain you have attached all necessary documentation and to help your employing office be certain it forwards all of your retirement documentation to the Office of Personnel Management.
1.Military Service - If you answered "yes" to Section B, Item 4, did you attach Schedule A?
2.Military Service - If you completed Schedule A, did you attach a copy of your discharge certificate or other certificate of active military service?
3.Military Retired Pay - If you answered "yes" to Section B, Item 5, did you attach Schedule B?
4.Military Retired Pay - If you completed Schedule B and answered "yes" to Item b or c, did you attach a copy of the notice of award or other documentation of the type of military retired pay you are receiving?
5.Military Retired Pay - If you completed Schedule B and answered "yes" to item d, did you attach a copy of your request for waiver and a copy of the military finance office's acknowledgment or approval of your request for waiver (if applicable)?
6.Survivor Election - If you are married and did not initial box 1 of Section D, did you attach SF 3107-2, Spouse's Consent to Survivor Election?
7.Life Insurance - If you answered "yes" to Section E, item 2, did you attach SF 2818, Continuation of Life Insurance Coverage As an Annuitant or Compensationer?
8.OWCP - If you answered "yes" to Section F, item 1, did you attach Schedule C?
9.Tax - If you want to elect a Federal Income Tax withholding rate, did you attach a W-4 form?
10.Court or Administrative Order(s) - If you answered "yes" to Section C, item 2 and/or "yes" to Section E, Item 1b, did you attach a copy of the order(s)?
Not
Applicable
Schedules A, B and C
1.Name (last, first, middle)
3.Social Security Number
Schedule A - Military Service Information
1.If you have performed active honorable service in the United States Armed Services or other uniformed services, complete 1a - d below and attach a copy of your discharge certificate or other certificate of active military service (if available).
See instructions for definitions of Armed Services and Uniformed Services.
Branch of service
Serial number
c.Dates of active duty
From (mm/dd/yyyy)
To (mm/dd/yyyy)
d.Last grade or rank
2. If any of your military service occurred on or after January 1, 1957, have you paid a deposit to your agency for this service? (You must pay this deposit to your agency.
You cannot pay OPM after you retire.)
Schedule B - Military Retired Pay
1.If you are receiving or have applied for military retired or retainer pay (including disability or retired pay), complete Parts 1a - 1d below.
a. Are you receiving or have you ever applied for military retired or retainer pay?
b. Was your military retired or retainer pay awarded for reserve service under
(Answer "yes" if you are receiving payments from the Department of Veterans
Chapter 1223, title 10, U.S. Code (formerly Chapter 67, title 10)?
Affairs instead of military retired pay.)
Yes (Attach a copy of notice of award)
Was
your military retired pay or retainer pay awarded for a disability incurred
d. Are you waiving your military retired or retainer pay in order to receive credit
in combat or caused by an instrumentality of war and incurred in the line of
for military service for FERS retirement benefits?
duty during a period of war?
Yes (Attach a copy of your request for
Yes (Attach a copy of notice of
waiver and a copy of military finance
award)
officer's acknowledgment or approval of
your request for waiver)
Schedule C - Federal Employees Compensation Information
1.Are you receiving or have you ever received workers' compensation from the Office of Workers' Compensation Programs (OWCP), Department of Labor, because of a job-related illness or injury?
Yes (complete parts 1a - c below)
No (go to question 2)
Benefit received
Compensation claim number
Type of benefit
Scheduled award
Other
Total or partial disability compensation
2.If you have applied for workers' compensation (other than as listed in item 1a above) but are not receiving benefits, check reason below and give the information requested.
a.Awaiting OWCP decision
b. Claim denied
Date claim denied (mm/dd/yyyy)
3.Except for scheduled compensation awards, workers' compensation and FERS retirement benefits cannot be paid for the same period of time. Please complete the information below regarding your claim. You must complete this section.
a.Do you agree to notify us promptly if the status of your workers' compensation claim changes?
b.Do you authorize the Office of Personnel Management and/or the Office of Workers' Compensation Programs (OWCP) to collect any overpayment if we later find you are not eligible for both compensation and annuity payments covering the same period of time?
Applicant's Certification
I certify that all statements made on these schedules are true to the best of my knowledge and belief.
Signature (do not print)
Office of Personnel
Certified Summary of Federal Service
Management
5 CFR Part 841
Information for the Agency
1.A certified copy of this form must accompany the employee's Application for Immediate Retirement (SF 3107).
2.This form may also be used:
•for retirement counseling purposes
•to respond to an employee's request for a record of creditable service
Instructions for the Employee
1.Your employing office will complete and certify this form for you.
2.Review this form carefully. Be sure it contains all of your service.
3.Complete Section E, Employee's Certification, and return the form to your employing office.
3.See the CSRS and FERS Handbook for Personnel and Payroll Offices for detailed instructions for completion and disposition of this form.
Section A - Identification
Name of employee (last, first, middle)
List all other names used (maiden name, AKA, spelling variants)
Other birth dates used
Military serial number
Service computation date for retirement
purposes
8a.
Did this employee elect to transfer to FERS?
8b.
If the employee elected to transfer to FERS, is the employee entitled, according to
your records, to have part of the FERS annuity computed under CSRS rules?
Yes, give effective date of election:
9a.
Does
the applicant
receive military retired pay?
9b.
If yes, has the applicant waived military retired pay to credit military service for
FERS retirement?
Yes (Attach a copy of the applicant's military retired pay order,
Yes (Attach a copy of the military finance center's letter to the
if available, and complete 9b.)
employee accepting waiver, if available.)
No (Include cases where a waiver is not necessary.)
Section B - Verified Service History Documented in Official Personnel Records
Federal agency or
military service branch
Appointment, separation, or conversion dates for civilian and active honorable military service
From
To
Name of retirement
system*
Remarks and non-creditable time**
* Give details of creditable civilian service not subject to retirement deductions in Section C.
**In Remarks, show if CSRS service on or after January 1, 1984, is "regular" CSRS or CSRS Offset.
Indicate if service is part-time. If service was performed on a WAE or intermittent basis, show the number of days worked in "Remarks." If the number of days worked is not available, then show the number of hours worked.
Standard Form 3107-1
Section C - Detail of Civilian Service Not Subject to Contributory Retirement System for Civilian Federal Employees
Detail below (1) any period of Federal civilian service subject only to "FICA" deductions, and (2) any other Federal civilian service not subject to a Federal employee (or D.C. Government) retirement system. If total basic salary earned for any such period of service is known, you may make a summary entry on the right hand side below. Otherwise, show each change affecting basic salary during the period of service. Show part-time tour of duty, if applicable. Also provide total number of hours the employee worked during the period of part-time service, if available, and show what a full-time tour of duty would be. Service which is not subject to FERS or CSRS deductions is creditable only as specifically allowed by law.
Nature of action
Effective date
Basic
Salary basis
(Appt., pro.,
salary rate
(per annum,
res., etc.)
per hour,
WAE, etc.)
Leave
without pay
If basic salary actually earned is available
make summary entry below
Total earned
Section D - Agency Certification
I certify that the information on this form accurately reflects verified information contained in official records and that the applicant has sufficient service to be entitled to an annuity. I further certify that all required documentation in support of this application is attached, accurate and complete.
Signature of authorized agency personnel official
Agency name and address, including ZIP Code, telephone number (including area code), FAX number, and EMAIL address
Official Title
Section E - Employee's Certification
The service listed is complete.
I have additional service. (If you claim additional service, attach signed statement(s) giving dates, positions, titles and locations of employment, including agency, bureau, and division. Claimed service cannot be credited for retirement until it has been verified. This includes unverified service listed on an SF 144, Statement of Prior Federal Civilian and Military Service, or similar affidavit.)
Note: If you have performed Federal civilian service subject to social security deductions (FICA) or not subject to retirement deductions, be sure that your agency has correctly completed Section C above.
Reverse of Standard Form 3107-1
Filling out the Standard Form (SF) 3107, Application for Immediate Retirement under the Federal Employees Retirement System (FERS), is a significant step for federal employees transitioning into retirement. This form has been updated to comply with new regulations, ensuring retirees can choose between receiving annuities through direct deposit or certifying they do not own a checking or savings account. Accompanied by an informative pamphlet, the process is designed to be straightforward, guiding applicants through each step to secure their retirement benefits effectively. The steps listed below will walk you through how to complete the SF 3107 form correctly.
Remeber, completing the SF 3107 form is a crucial step in securing your federal retirement benefits. Taking the time to accurately fill out the form and gather the necessary documentation will help ensure a smooth transition into retirement. If you have any questions or need clarification on certain sections, don't hesitate to reach out to your agency's human resources department or consult the "Applying for Immediate Retirement Under the Federal Employees Retirement System" pamphlet for more detailed explanations and guidance.
What is the Standard Form (SF) 3107?
The Standard Form 3107, also known as the Application for Immediate Retirement, is a required document for federal employees who wish to apply for retirement benefits under the Federal Employees Retirement System (FERS). This form has been updated to ensure all federal retirees and survivors receive payments exclusively through direct deposit, unless an exception is made due to lack of a personal bank account.
Why was the SF 3107 revised?
The revision of SF 3107 was necessary to comply with Public Law 104-134, effective from July 26, 1996, which mandates that all federal retirees and their survivors must receive their benefits through Electronic Funds Transfer (EFT), unless they attest to not having a checking or savings account. The updated form now includes a section for retirees to make this election or certification.
Can I use an older version of the SF 3107 form to apply for retirement?
No, previous editions of the form dated March 1988 and November 1995 are no longer accepted. Applicants must use the version of the form that is dated January 1997 to ensure their application is processed without any delays.
How can I obtain the SF 3107 form?
The SF 3107 form can be ordered from the General Services Administration's (GSA) Federal Supply Service using FEDSTRIP/MILSTRIP procedures. This process is typically handled by federal agencies to procure items from the GSA Federal Supply Depot. Additionally, individuals can access the form online through the official website of the Office of Personnel Management (OPM) or download it directly if available.
Is there any guidance available on how to complete the SF 3107 form?
Yes, a revised information pamphlet titled "Applying for Immediate Retirement Under the Federal Employees Retirement System" (SF 3113) is available to accompany the SF 3107 form. This pamphlet provides detailed information on eligibility requirements, processes for applying for benefits, how to handle health and life insurance into retirement, payment information, and details on survivor benefits.
Are there any cost associated with the SF 3107 or SF 3113 forms?
Yes, there is a small cost associated with ordering these forms. The estimated cost for 100 copies of the SF 3107 is $15.10, and for the SF 3113, it is $9.92. Costs are subject to change, and it's always a good idea to verify the current price when ordering.
What should I do if I don’t have a checking or savings account for direct deposit?
If you do not have a checking or savings account, you can certify this information on the SF 3107 form. This certification will allow you to receive your retirement benefits without using direct deposit. This measure ensures all federal employees and retirees have access to their benefits, regardless of their banking situation.
What else should I consider when applying for immediate retirement under FERS?
When applying for immediate retirement, it's crucial to consider your eligibility for continuing health benefits and life insurance coverage into retirement. Understanding the procedures for applying for benefits, how payments will be made, and the implications for survivor benefits is also essential. The accompanying pamphlet, SF 3113, provides valuable guidance on these topics.
Where can I find more information or get help with the SF 3107 form?
More information and assistance with the SF 3107 form can be found on the Office of Personnel Management (OPM) website at www.opm.gov. Additionally, the HR department within federal agencies can provide personalized assistance and guidance throughout the application process for immediate retirement.
Filling out the Standard Form 3107 (SF 3107) for federal employees seeking immediate retirement can be daunting, and mistakes are not uncommon. One widespread issue is the failure to decide properly between electronic funds transfer (EFT) or certifying the absence of a bank account. The form necessitates a choice, in compliance with Public Law 104-134, to ensure that retirees receive their annuities promptly and securely through direct deposit. Unfortunately, some applicants overlook this section, which can delay the processing of their retirement benefits.
Another common mistake is not thoroughly reviewing the accompanying pamphlet, "Applying for Immediate Retirement Under the Federal Employees Retirement System." This document, revised alongside the SF 3107 form, provides crucial information regarding eligibility, health benefits continuation, life insurance, and survivor benefits, among other things. Applicants often bypass this valuable resource, leading to confusion and errors in their application. It's vital for applicants to leverage this pamphlet to ensure they fully understand the application process and requirements.
In addition, inaccuracies in personal details such as incorrect Social Security numbers, addresses, or dates can impede the processing of an SF 3107 form. The form is a formal document where every piece of information matters. Even minor discrepancies can cause significant delays in the retirement process, or worse, result in the denial of benefits. Verification of all entered information against official documents is essential before submission.
Last but not least, applicants sometimes neglect to specify their decision regarding continuing health benefits and life insurance coverage into retirement. This decision is crucial for ensuring that retirees and their dependents remain covered after the transition into retirement. Without clear instructions on the form, individuals might find themselves without these vital benefits when they need them most. It is imperative for applicants to consider their health benefits and life insurance options carefully, consulting the SF 3113 pamphlet or a benefits officer if necessary.
When applying for immediate retirement under the Federal Employees Retirement System (FERS) using the Standard Form 3107, it's important to be aware of and consider submitting other forms and documents that may be required or beneficial for a complete and thorough application process. These additional forms support the application by providing necessary details and enabling specific benefits.
Together, these forms contribute to a well-rounded application process, addressing different aspects of retirement planning, from life insurance and beneficiary designations to tax withholding preferences. It's crucial for employees to review each relevant form and document thoroughly to ensure a smooth transition to retirement.
The SF 2801, Application for Immediate Retirement under the Civil Service Retirement System (CSRS), bears similarities to the SF 3107. Like the SF 3107, the SF 2801 is used by federal employees to apply for retirement benefits, but it caters to those under the Civil Service Retirement System instead of the Federal Employees Retirement System (FERS). Both forms facilitate a smooth transition into retirement by collecting necessary information to process retirement benefits and include sections for applicants to indicate their preferences for benefits distribution.
The SF 2823, Federal Employees' Group Life Insurance (FEGLI) Program - Designation of Beneficiary, shares a common purpose with parts of the SF 3107 in assisting federal employees to prepare for the future. While the SF 3107 focuses on the retirement aspect, the SF 2823 is specifically for life insurance beneficiary designations under the FEGLI Program. Both documents require the employee to make decisions that have significant post-employment or posthumous effects, ensuring personal wishes are honored.
The SF 2818, Continuation of Life Insurance Coverage, parallels the SF 3107 in its role in federal employees' retirement planning. This form allows retiring employees to decide on the continuation of their life insurance into retirement. Although it deals specifically with life insurance and the SF 3107 with retirement benefits, both forms are integral in ensuring federal employees are well-prepared for retirement, including the financial aspects and benefits continuation.
The SF 1152, Designation of Beneficiary - Unpaid Compensation of Deceased Civilian Employee, while distinct in its application, shares a fundamental similarity with SF 3107 by providing federal employees the means to direct certain benefits in the event of their passing. Though the SF 1152 is focused on unpaid compensation, and the SF 3107 on retirement benefits, both serve the essential function of allowing individuals to make clear designations regarding their personal affairs and benefits.
The TSP-3, Thrift Savings Plan (TSP) Designation of Beneficiary, is akin to the SF 3107 in that it involves future planning for federal employees. The TSP-3 is concerned with the allocation of funds within the Thrift Savings Plan upon the account holder's death, complementing the retirement and financial planning activities undertaken with the SF 3107. Both documents enable federal employees to make deliberate decisions about their benefits and financial legacy.
The OPM Form 1496A, Application for Deferred or Postponed Retirement, is similar to the SF 3107 as both involve the process of retiring from federal service. However, the OPM Form 1496A is for federal employees who are seeking to defer or postpone their retirement, contrasting with the SF 3107’s focus on immediate retirement. Each form plays a crucial role in navigating different retirement trajectories within the federal retirement systems.
The SF 3102, Federal Employees Retirement System (FERS) Designation of Beneficiary, complements the SF 3107 by allowing federal employees to specify beneficiaries for FERS benefits. While the SF 3107 facilitates the application for immediate retirement benefits, the SF 3102 focuses on the allocation of those benefits in case of the employee's death. Together, they ensure a comprehensive approach to retirement and posthumous planning, covering both the initiation of retirement benefits and their eventual distribution.
When filling out the Standard Form 3107 (SF 3107) for immediate retirement under the Federal Employees Retirement System (FERS), it is crucial to approach the application process with care and attention to detail. To aid in this process, here is a list of dos and don'ts:
Meticulous completion of the SF 3107 form is the first step towards ensuring a smooth transition into retirement. By adhering to these guidelines, applicants can help safeguard against common pitfalls and facilitate the timely processing of their retirement benefits.
When it comes to navigating federal employment retirement paperwork, misconceptions can lead to confusion and delays. The Standard Form 3107 (SF 3107), Application for Immediate Retirement under the Federal Employees Retirement System (FERS), is no stranger to such misunderstandings. Below are four common misconceptions about the SF 3107 form and the truths behind them.
This belief stems from a misunderstanding about the permanence of choices made at the time of application. In fact, individuals have the flexibility to change their election concerning receiving annuity payments by direct deposit. The key requirement, as per Public Law 104-134, is that Federal retirees and survivors must receive payment through Electronic Funds Transfer (EFT), unless they certify not having a checking or savings account. But, this certification can be updated if one's circumstances change.
Although SF 3107 is crucial for applying for immediate retirement benefits under FERS, it is not the sole document required. Applicants must also submit the SF 3113 pamphlet, "Applying for Immediate Retirement Under the Federal Employees Retirement System," which offers essential information and complements the application process. Together, these documents guide the applicant through eligibility requirements, benefit options, and more, ensuring a comprehensive understanding and submission.
It's important to use the most up-to-date forms when dealing with federal retirement applications. As of the issuance of Benefits Administration Letter Number 98-103, only the January 1997 edition of SF 3107 is valid. Previous versions dated March 1988 and November 1995 are no longer accepted, reflecting changes in federal requirements and ensuring applicants provide information in compliance with the current laws.
Understanding the full scope of retirement benefits is crucial, and the misconception that such information isn't readily available or required at the time of application is false. The accompanying pamphlet, SF 3113, provides comprehensive details about eligibility, health benefits continuation, life insurance coverage, and procedures for applying. This thorough understanding is vital for making informed decisions about one's retirement future.
Dispelling these misconceptions ensures that those applying for immediate retirement under the Federal Employees Retirement System are informed and confident. By recognizing the importance of up-to-date information, the flexibility of certain options, and the necessity of additional documentation, retirees can navigate the process more smoothly.
Understanding the correct procedure for filling out and using the Standard Form (SF) 3107, Application for Immediate Retirement under the Federal Employees Retirement System (FERS), is vital for federal employees as they approach retirement. Here are five key takeaways regarding this process:
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