Office of Personnel Management (OPM) Services
We simplify OPM retirement processing, pension calculations, health insurance continuation, and standard forms so you can transition into retirement smoothly.
U.S. Federal Employees
All 50 States & PR
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Mastering Your OPM Retirement Package
Ensuring error-free documentation for swift pension adjudication and interim payments.
The United States Office of Personnel Management (OPM) serves as the chief human resources agency for federal employees, managing health benefits (FEHB), life insurance (FEGLI), and adjudicating retirement claims for both FERS and CSRS retirees.
Retirement delays of 3 to 6 months commonly occur due to minor paperwork errors, incomplete service histories, or unresolved military service buybacks. Our advisors review your complete OPM submission package well in advance of your target retirement date to safeguard your monthly interim payments.
Complete Application Verification
Audit Form SF-3107 (FERS) or SF-2801 (CSRS) line-by-line to prevent processing rejection at the National Retirement Processing Center in Boyers, PA.
FEHB Health Insurance Continuation
Verify compliance with the mandatory 5-year enrollment rule to ensure your subsidized health insurance continues seamlessly into retirement for life.
Survivor Annuity Optimization
Evaluate the cost-benefit of full (50%), partial (25%), or waived survivor annuities to ensure continuous health coverage for your spouse.
Planning to Retire Within the Next 12 to 24 Months?
Get your official service record, military buyback calculations, and OPM forms audited today.
OPM Retirement & Benefit Forms
Access official standard forms (SF) required for FERS/CSRS retirement applications, life insurance elections, and beneficiary designations.
Application for Immediate Retirement (FERS)
The primary comprehensive retirement application package for all FERS civilian federal employees.
Health Benefits Election Form (FEHB)
Used to enroll in, change, or cancel coverage under the Federal Employees Health Benefits Program.
Continuation of Life Insurance (FEGLI)
Required to elect post-retirement life insurance reductions (75%, 50%, or No Reduction).
Designation of Beneficiary (FERS)
Designates who will receive any lump-sum pension contributions in your account upon your death.
Life Insurance Election (FEGLI)
Standard election form for basic, Option A, Option B, and Option C life insurance.
Designation of Beneficiary (FEGLI)
Ensures FEGLI life insurance death proceeds are paid directly to designated individuals.
Disability Retirement Application Package
The complete 5-part documentation kit required for FERS Disability Retirement adjudication.
Withholding Certificate for Pension
Designates federal income tax withholding amounts from your monthly OPM annuity check.
Estimated Earnings for Military Service
Official form used to obtain military pay records for military deposit credit toward FERS pension.
Online Retirement Application (ORA) Guidance
Civilian agencies are transitioning to OPM's digital Online Retirement Application platform through the Government Retirement & Benefits (GRB) system.
VA Hospital Employees: You must submit via the dedicated HR Shared Services Center (HRSSC) secure portal.
Service records should be checked at least 6 months prior to departure to verify accurate SF-50 histories and sick leave accruals.
Minimum Retirement Age (MRA) Table
Your exact Minimum Retirement Age depends on your year of birth under the Federal Employees Retirement System (FERS).
| Year of Birth | Minimum Retirement Age (MRA) | Full Immediate Pension Threshold |
|---|---|---|
| Before 1948 | 55 years | MRA with 30 years service, or Age 60 with 20 years, or Age 62 with 5 years |
| 1948 - 1952 | 55 years, 2 to 10 months | MRA with 30 years service, or Age 60 with 20 years, or Age 62 with 5 years |
| 1953 - 1964 | 56 years | MRA with 30 years service, or Age 60 with 20 years, or Age 62 with 5 years |
| 1965 - 1969 | 56 years, 2 to 10 months | MRA with 30 years service, or Age 60 with 20 years, or Age 62 with 5 years |
| 1970 and Later | 57 years | MRA with 30 years service, or Age 60 with 20 years, or Age 62 with 5 years |
Want to Discuss?
Call us today to discuss your federal options or schedule a one-on-one session with an advisor.
Frequently Asked Questions
Clear answers to the most common questions federal employees ask regarding this service.
Depending on your birth year, your MRA is between age 55 and 57 (for anyone born in 1970 or later, MRA is age 57). Reaching MRA with 30 years of service grants unreduced immediate retirement; with 10 years of service, it grants an MRA+10 pension with a 5% reduction per year under age 62.
The Special Retirement Supplement is an additional monthly payment provided by OPM to FERS employees who retire before age 62 under immediate unreduced eligibility. It bridges the income gap until age 62, paying an estimate of the Social Security benefit earned during federal service.
Full adjudication typically takes between 60 and 120 days. During this interim period, OPM pays monthly interim payments (usually 70% to 80% of your estimated net pension) until final calculations and retroactive backpay are settled.
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