Information for FERS Annuitants Federal Employees Retirement System (FERS)

The Federal Employees Retirement System (FERS) is made up of benefits from three sources.

You may be entitled to benefit from:

• Social Security
• Thrift Savings Plan
• Federal Employees Retirement Basic Benefit

This Federal Employees Retirement System Benefits pamphlet defines your FERS basic benefit. Any questions you have concerning Social Security benefits or the Thrift Savings Plan should be directed to the offices of the benefits listed above.

Introduction 1

I. Computation of Federal Employees Retirement System Benefits (FERS) 3

II. Alternative Annuities 10

III. Annuity Supplement 11

IV. Cost-of-Living Adjustments 13

V. Payments 15

VI. Taxes and Other Deductions Taken from Your Annuity 20

VII. Waving Benefits 23

VIII. Employment after Retirement 24

IX. Changing Your Retirement to Disability 29

X. Changing Your Survivor Election After Retirement 30

XI. Entitlements to Other Benefits/Effects on Federal Employee Retirement System 34

XII. Death Benefits 38

XIII. Contacting the Office of Personnel Management (OPM) 44

Additional Information 45

Active and retired Federal employees, family members of retired federal employees.