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Full text of "ANSWERS TO FREQUENTLY ASKED QUESTIONS FROM CIVIL SERVICE ANNUITANTS ABOUT RETIREMENT AND INSURANCE"

4<o 




ited States 



OPM DOC. 139-BO-4 
Revised April 1984 



ANSWERS TO FREQUENTLY ASKED QUESTIONS FROM 
CIVIL SERVICE ANNUITANTS ABOUT RETIREMENT 
AND INSURANCE 



Table of Contents 

Page 

Introduction 

Delays in Receipt of First'Annuity'check! !!!!!!!" J 

Failure to Receive a Regular Annuity Check 3 

Direct Deposit of Annuity Checks 7 

Annuity Rate Computation L 

Credit for Military Service T i 

Disability Retirement 71 

Application !!!!!.','! 13 

Special Procedures for Disabiiity^Annuitants! .' .' ! 14 

Reeraployment in the Federal Government.... i fi 
Reinstatement of Disability Annuitants 

in Federal Service , fi 

Reinstatement of Disability Annuitants 

to the Retirement Rolls 16 

Tax Status of Disability Annuitants. ...'.'.*.*.'.*!"' 17 

No Response to Correspondence in 

Change of Address ,* 

Change of Beneficiary \\\\\ 23 

Unexplained Decrease or Increase in Check ' Amount! !! 25 

Collection of Overpayments 27 

Death of an Annuitant q 

Reemployed Annuitants ] f? 

Federal Income Tax \ 

State Income Tax !!!!.'!!!!.'!'" 35 

Discontinuance of Annuity Payments. !!.'!!!'"""" 1-7 

Medicare j ] | ;? ' 

Federal Employees' Health Benefits! .'!!!.'!.'!.*""" 41 

Retired Federal Employees* Health Benefits. ....'!!! 43 

Federal Employees' Group Life Insurance 4* 

Act ive Employees ' ?^ 

Refunds of Contributions .'!.'!!!.' ! ! !!*!**" 49 

Inquiries from Former Federal Employees! !.'!!!.'.'!" 51 

Overview of Retirement Procedures 50 

Attachment A (Office of Personnel Management 

Contact Information) A _ x 

Attachment B (Sample: Annuity Statement) ..!!!!.*!.' e-1 



Installment 1 
May, 1983 



INTRODUCTION 



Most of the inquiries on retirement and insurance 
matters will originate with retired employees and 
survivor annuitants, or persons acting in their behalf. 
The usual questions will relate to non-receipt of checks 
on the first business day of the month, failure to 
receive answers to correspondence, changing beneficiar- 
ies, changing address, procedures to follow when an 
annuitant dies, and delays in processing applications 
for annuities. In addition, survivor annuitants are 
concerned with the discontinuance of annuities for 
children. Disability annuitants raise questions about 
periodic physicals, reports of annual income, as well 
as reinstatement, and restoration rights. 

This document provides information regarding frequently 
asked questions. The responses will usually provide 
an Office of Personnel Management (0PM) address or 
telephone number where further information can be 
obtained. If not, Attachment A contains the addresses 
and telephone numbers for the Offices within 0PM and 
the kinds of inquiries handled. 



Installment 
May, 1983 



DELAYS IN RECEIPT OF FIRST ANNUITY CHECK 



As soon as an application for benefits, retirement, or 
death is received by 0PM, a case is prepared and a 
claim number assigned. Retiring employees 1 claims are 
assigned a seven-digit number which is prefixed with 
the alpha letters CSA. Applications for death benefits 
are assigned seven-digit numbers prefixed with the 
alpha letters CSF. The number is followed by a one- 
digit numeric suffix. This number is furnished to the 
applicant as soon as it is assigned. All inquiries to 
0PM must include the appropriate claim number so we 
can readily identify the records of the individual. 

0PM tries to process fully developed annuity claims 
(i.e., claims containing all the information needed for 
adjudication) within 35 days after receipt in 0PM. (It 
usually takes four to six weeks after an employee's 
separation for 0PM to receive his or her records. ) 
Individual processing times can vary considerably due 
to such things as large fluctuations in receipts, in- 
complete claims, delays in the former employing agency, 
etc. Additionally, the full processing of a claim can 
be delayed because the applicant is claiming credit 
for service that is not documented when the case is 
received in 0PM. In such instances, 0PM uses the 
documented service to authorize "Special" interim 
payments (usually within 10 working days) after it 
receives the case and proceeds to develop evidence to 
document the additional claimed service. Once the 
claim is fully adjudicated, the regular annuity is 
authorized. At that time, the annuitant is also paid 
an amount equal to the difference between what he or 
she received in special payments and the amount to 
which he or she was entitled during the period of the 
special payments. 

Before contacting 0PM, the retired employee should 
contact his or her former agency to learn if they 
have forwarded the "Application for Retirement" form 
(SF 2801) and' the employee's' final "Individual 
Retirement Record" form (SF 2806) to 0PM. It is also 
helpful if the applicant can obtain the date and number 
of "Separations and Transfers" form (SF 2807) which 
transmitted his or her claim from the agency payroll 
center to OPM. 



Installment 4 
April, 1984 



If the applicant has not received a special payment 
check and the claim has been in 0PM for more than 30 
(but less than 60) days and personal hardship is not 
involved, the applicant should inquire again after 60 
days if payments have not been started by that time. 
If the claim has been pending in OPM for more than 30 
days and there is personal hardship (shortage of money 
to meet living expenses, unexpected illness, etc.) or 
the claim has been pending for more than 60 days, the 
applicant should call the appropriate claims branch at 
the numbers listed below. Claims are assigned to the 
branches according to the claimants 1 last name. [When 
contact is made with OPM, do so, if possible, while the 
claimant is in the office (or on the phone), so that he 
or she can supply any information needed by the branch.] 



Branch by 

Alphabetical Telephone 

Assignment Number 



A - Co (202) 632-8653 

Cp - G (202) 632-6135 

H - K (202) 632-5410 

L - O (202) 632-4664 

p - so (202) 632-3756 

S p * Z (202) 632-5450 



Installment 4 
April, 1984 



FAILURE TO RECEIVE A REGULAR ANNUITY CHECK 



When the adjudication of a retirement claim has been 
completed and the annuity has been approved f 0PM will 
furnish the retiree an annuity statement. This document 
indicates approximately when the initial annuity check 
can be expected. It explains the initial annuity 
payment and the regular monthly annuity check (including 
the gross amount payable, the deductions and additions, 
and the net amount of the check ) . This statement also 
provides, for future reference, other important informa- 
tion for income tax and general information purposes, 
(A sample annuity statement is included in Attachment B.) 

1 . Common reasons why checks are not received. 

There are a number of reasons why a check may not 
reach the annuitant, but the most common reason is 
that the annuitant has moved and the check was sent 
to his or her old address. 

The Treasury Department Disbursing Center starts 
printing more than 1 .8 million monthly annuity 
checks around the 17th day of each month. This 
allows a sufficient lead-time needed to ensure that 
all the checks are printed, inserted, and delivered 
to the Postal Service in time for delivery on the 
first work day of the next month. 

Annuitants should advise OPM and their local Post 
Office of any. address changes as early in the month 
as possible. Change of address requests received 
in OPM after the first week . in a month have almost 
no chance of becoming effective for the next regular 
monthly check . This is why it is important that 
annuitants notify the local Post Office of the 
address change as quickly as possible. The Post 
Office can then promptly forward checks to the new 
address. 

2. What to do when a check is not received. 

An annuitant who fails to receive a check within a 
few days after it is due should first inquire at 
the local Post Office. If the check cannot be 



Installment 4 
April, 1984 



located or if the Post office advises that it has 

been returned to the Treasury Department, the 

annuitant should write to OPM to alert us of the 
non-receipt of the check, 

When writing OPM, the annuitant must provide the 
following identifying data to ensure prompt hand- 
ling: 

a. The annuitant's full name; 

b. The annuitant's current mailing address; 

c. A complete claim number (including CSA or CSF 
prefix) ; 

d. The date of the missing check; and 

e. A brief statement of the action already taken 
to locate the check through the Post Office. 

If a retired employee cannot provide the claim 
number, he or she should furnish his or her date of 
birth and social security number. If a survivor 
annuitant cannot provide the claim number, he or 
she should give the full name and date of birth of 
the deceased employee upon whose Federal service 
the survivor annuity is based. Failure to provide 
a claim number will delay the issuance of a replace- 
ment check. 

If a check is known to be among a group of checks 
that has been lost, we must have a signed statement 
of nonreciept in order to authorize a substitute 
check. Usually, the annuitant's local post office 
will furnish a standard tracer form. 

If the annuitant wishes to write directly to OPM to 
report nonreceipt of an individual check, or i his 
or her check is, known to be among a group of checks 
that has been lost and he or she does not have a 
tracer form, the annuitant should use the following 
address: 

U.S. Office of Personnel Management 
Check Non-receipt 
PO Box 7815 
Washington, DC 20044 



b 4 
4 



The form or letter should show the annuitant's 
claim number, the date of the missing check, the 
annuitant's current mailing address, and if a let- 
ter, include a statement that the check was not re- 
ceived. 

The annuitant may call the Retirement Information 
Branch at (202) 632-7700, and report the non-receipt. 
When the report is received, that Office will furn- 
ish the annuitant a form entitled "Non-Receipt of 
Check" (BRI 49-344a) . 

3 . How the Treasury Department Handles 
Non-Receipt of ChecklTi 

The Treasury Department Disbursing Center immedi- 
ately cancels all checks returned to that office. 
If Treasury receives a non-receipt claim for a 
check that has been cancelled , this information is 
noted on the correspondence and immediately for- 
warded to 0PM. If the annuitant is entitled to 
the check, 0PM will immediately revoucher it and 
Treasury will issue a new check. This process 
typically takes 20 days after the original report 
is received by 0PM. 

If the check has not been returned, Treasury places 
a stop payment order against the check and mails a 
copy of the order to the annuitant to inform him or 
her of the stop payment. If Treasury determines 
that the check has not been negotiated ( as in the 
case of checks that are lost or destroyed), it will 
issue a substitute payment. This process normally 
requires two to three weeks from the time Treasury 
receives the notice of non-receipt. 

If the missing check has been negotiated (as in the 
case of a payment which the annuitant has received 
but forgotten or in the case of a stolen check) , 
Treasury furnishes a copy of the check and a claim 
form to the annuitant. Treasury uses the Check 
Forgery Insurance Fund to immediately issue replace- 
ment checks to most annuitants returning claim forms. 

The United States Secret Service is requested to 
conduct a full investigation into the circumstances 
surrounding the negotiation of the check, and the 



Installment 4 
April, 1984 



bank having liability for accepting an improperly 
negotiated check is requested to make refund to 
the Treasury. Once the refund is received, it is 
redeposited to the Check Forgery Insurance Fund. 

The question occasionally arises as to why Treasury 
cannot immediately issue a substitute check when it 
receives a non-receipt claim. In cases of known 
theft or loss of a group of checks, Treasury does 
immediately issue substitute payments. However, our 
experience has shown that a large percentage (75 
oercent) of the non-receipt of check claims turn 
out to be unfounded. That is, the checks were 
forgotten, mislaid, forwarded to a new address, 
or simply delivered later than usual. 



Installment 

April, 1984 



DIRECT DEPOSIT OF ANNUITY CHECKS 



One of the best ways an annuitant can avoid lost or 
stolen checks is to have the annuity deposited directly 
into a bank through the Electronic Funds Transfer 
Program. To do this, the annuitant obtains a Standard 
Form 1199A (Authorization for Deposit of Federal 
Recurring Payments) from a bank or financial organiza- 
tion. The annuitant completes the top portion of the 
form, has the bank complete the bottom half, and then 
mails the _ form to 0PM. Once this form has been pro- 
cessed, th'e funds will go directly to the annuitant's 
bank and all other mail will go directly to the annui- 
tant's home address. This ensures that the annuitant 
will receive all important notices ( cos t-of -living in- 
creases notices, health 'benefits open season material, 
etc . ) at home . It takes about two months to process 
an SF 1199A. 

In addition to the bank address generated by the 
SF 1199A, 0PM must have a current correspondence address 
for all annuitants. Any annuitant that changes his or 
her mailing address must submit a change of address to 
OPM (see page 21) . 



Installment 
May, 1983 



ANNUITY RATE COMPUTATION 



The amount of monthly annuity earned depends mostly on 
the individual's high-three years average salary, length 
of creditable service, and, in some cases, his or her 
age. Annuitants who want to know how their annuities 
were computed should write to: 

U.S. Office of Personnel Management 
Employee Service and Records Center 
Boyers, PA 16017 

The Retirement law provides that an annuitant who certi- 
fies that he or she is not being paid an amount equal to 
the minimum annuity by another Federal agency will have 
his or her monthly annuity payment adjusted to equal the 
current applicable minimum annuity. If the actual 
annuity rate computation results in an applicant being 
due an annuity smaller than the minimum annuity, the 
annuitant will be furnished forms necessary to certify 
eligibility for minimum annuity payments. 

Often, an employee applying for a disability annuity 
does not have enough service to qualify for a retirement 
annuity. In such an instance, an annuity based on the 
actual period of service would be extremely low. There- 
fore, the law provides a guaranteed minimum disability 
annuity. As stated above, a retirement annuity computa- 
tion uses the factors of the individual's high-three 
years average salary and length of creditable service, 
but the computations used for establishing a guaranteed 
minimum disability annuity use the additional factor of 
the applicant's age. There are two separate computations 
used to arrive at the guaranteed minimum disability 
annuity, and the law requires that the annuitant be paid 
the lesser of the amounts resulting from the computa- 
tions. However, if the annuity based on actual service 
and average salary is larger than the guaranteed mini- 
mum, the guaranteed minimum would not apply. For 
further advice and information, contact the Retirement 
Information Branch at (202) 632-7700. 



Installment 4 
April, 1984 



11 

MILITARY SERVICE 



Actiye^duty military service can affect an individual's 
eligibility for retirement, as well as the amount of 
the annuity payable. 

Some of the conditions which may affect credit for 
military service or the amount payable are: 



waiver of military retired pay; 

eligibility for old age survivor benefits from the 
Social Security Administration; 

payment of seven percent of base military pay 
received after December 1956; etc. 



Some factors that determine the applicability of these 
conditions include: 



when the military service was performed; 

authority under which military retired pay is 
granted; 

when the individual separated from Civil Service 
Retirement, etc. 



Because the law is very complex in this area, we 
recommend inquiries be referred to the addresses and 
telephone numbers listed on the next page. 



Installment 4 
April, 1984 



12 



1. individuals who have pending retirement applications 
should direct their questions to the following 
address and telephone numbers: 

U.S. Office of Personnel Management 
Retirement Claims Division 
1900 E Street, NW 
Washington, DC 20415 



Branch by 
Alphabetical 
Assignment 

A - Co 

CD - G 
H _ K 

L - o 
p _ So 
S - Z 



Telephone 
Number 



(202> 
(202) 
(202) 

(202) 
(202) 
(202) 



632-8653 
632-6135 
632-5410 
632-4664 
632-3756 
632-5450 



2 . 



xndividuals who have already 

telephone numbers: 

U.S. Office of Personnel Management 
Annuitant Services Division 
Annuity Roll Service Branch 
1900 E Street, NW 
Washington, DC 20415 



Last Digit of 

Claim Number 

i 

, i 

T 5 

;' 7 

\ 9 



(202) 
(202) 
(202) 
(202) 
(202) 



632-5007 
632-5007 
632-5623 
632-5623 

632-7457 






April, 3,984 



13 



DISABILITY RETIREMENT 



ability retirement is a benefit provided to protect 

employee who is no longer able to serve in his or 

current job or a comparable one because of a medical 

dition. To establish eligibility for a disability 

uity, an employee must have five years of creditable 

ilian service, and present evidence of a medical 

dition which is not compatible with continued 

loyment. In general, it is to the advantage of both 

employee and the agency for every attempt to be made 

keep the individual employed. 

Application. 

When all reasonable attempts to keep an employee in 
a productive capacity have failed and the employee 
decides to file for a disability retirement, the 
agency must assist the employee in filing an appli- 
cation with 0PM. 0PM evaluates all of the evidence 
that is submitted and issues a decision. A typical 
fully documented case will be decided in about 45 
days. The employing agency is notified of 0PM' s 
decision and consults with the employee to determine 
the most advantageous separation date. This allows 
the employee to use all his or her accrued sick 
leave. If the preliminary records indicate that 
the employee is in nonpay status or has separated, 
OPM will use the preliminary records to authorize 
"Special" interim annuity payments. Once the 
employee is separated and the final records are 
received in OPM, the adjudication process is the 
same as for an ordinary retirement case. Fully 
documented cases are finalized in about 35 days. 

Although the application of an employee is submitted 
through the agency, former employees send the appli- 
cation directly to OPM. To receive consideration, 
an application for disability retirement must be 
submitted ' within one year after an employee's 
separation. The same support documentation is 
required whether or not the employee is already 
separated. 



Installment 4 
April, 1984 



14 



Under limited circumstances, when an employee is 
unable to file his or her own application, another 
responsible person or the agency may do so on the 
employee's behalf. Additionally, an application may 
be accepted more than one year after an employee' s 
separation if it is established the employee was 
mentally incompetent at the time of the separation, 
and if it is filed within one year after recovery 
or the appointment of a guardian , whichever occurs 
first. 

Questions concerning pending disability claims 
should be directed to the Disability Claims Division 
at (202) 632-4650. If a disability application has 
been denied, contact that Division on (202) 632-5510. 
Written correspondence can be directed to: 

U.S. Office of Personnel Management 
Disability Claims Division 
1900 E Street, NW 
Room 3468 
Washington, DC 20415 

2, Special Procedures for Disability Annuitants (See 
also Discontinuance of Annuity Payments on page 37) . 

Disability annuitants under age 60 are monitored to 
determine their continuing eligibility for disabil- 
ity annuity payments. To continue annuity, the 
medical condition on which the eligibility was 
originally based must continue and there must be a 
loss of earning capacity. The annuitant is respon- 
sible for furnishing information requested by 0PM 
to make the determinations. Each of the criteria 
used to monitor disability annuitants is explained 
below. 

a. Medical Reevaluation. 

0PM may require a disability annuitant to pro- 
vide new medical information or have a medical 
examination annually until he or she reaches 
age 60 . OPM may request any type of medical 
information needed to determine whether he or 
she has recovered from the disabling condi- 
tioh(s) present at retirement. 



Installment 4 
April, 1984 



15 



If an annuitant fails to respond to OPM ! s 
request for new medical information, payment of 
the annuity can be suspended until eligibility 
for continuance of the annuity is satisfactorily 
established. 

A disability annuitant age 60 or over may 
request reevaluation to determine if he or she 
has recovered from the disability. 

If, on review of current medical documentation, 
a disability annuitant is found recovered from 
the disabling conditions) , the annuity will be 
discontinued one year from the date of the 
medical examination on which OPM's recovery 
finding is based, or upon his or her reemployment 
in the Federal service, whichever occurs first. 

b. Restoration to Earning Capacity. 

Upon request, each disability annuitant must 
report income from wages and/or self-employment. 
If an annuitant fails to submit a report of 
earnings, 0PM will suspend annuity payments 
until the annuitant's entitlement to continued 
annuity is established. 

If, on review of the disability annuitant's 
reported annual earnings, 0PM finds that the 
annuitant is "restored to earning capacity," 
payment of annuity will be discontinued upon 
reemployment in the Federal service or at the 
expiration of six months from the end of the 
calendar year in which earning capacity is 
restored, whichever occurs first. (Payment of 
a disability annuity stops one year from the 
end of the calendar year in which earning 
capacity was restored, if the finding of restor- 
ation to earning capacity is based on income 
earned before January 1, 1983.) 

Earning capacity is considered restored if, in 
any calendar year, the annuitants income from 
wages or self-employment or both equals at 
least 80 percent of the current rate . of pay for 
the position occupied immediately prior to 



Installment 
May, 1983 



16 



retirement. (Prior to January 1984, earnings 
must exceed the 80 percent rate for two consecu- 
tive years before the annuity is discontinued.) 

3. Reemployment in the Federal Goverment. 

A disability annuitant may secure employment in the 
Federal service without first obtaining a medical 
examination or medical recovery determination from 
0PM* This means that a reemployment action consti- 
tutes recover^, and therefore, annuity benefits 
are stopped/ Generally, the new position must be 
equivalent in pay and tenure to the former position. 
However, where the employee accepts a P 081 * 1 ^" 
which is not "equivalent," OPM may take this an 
indication of the need to review the medical condi- 
tion to determine if disability annuity should 
continue. 

4. Reinstatement of Disability Annuitants in 
Federal Service! 

HMlully r.c~! dU.bUlty .nnul """ ""<> th '' 

s-ss.2. nrs.cSi^^r^r i ,i 

Displaced Employee Program. 



t6 mandatory reemployment in their tormer 
similar) jobs. 

Reinstatement of Disabilit; 
the Retirement Rolls 



from disability may again become eligible, for dis 
ability benefits, .if he or she: 

a. Loses earning capacity and is still suffering 
from the disability for which retired, or 



Installment 
May, 1983 



17 



b. Suffers a recurrence of the disability after 
having once recovered. 

In any instance, the individual must furnish proof 
of current financial status and medical evidence 
relative to the disabling condition. 

6. Tax Status of Disability Annuitants. 

The disability annuitant must meet specific criteria 
outlined in the tax law to have any or all of his 
or her disability annuity excluded from Federal 
income tax. For detailed information concerning 
the exclusion of disability annuity, copies of IRS 
Publications (522 and 567) should be obtained from 
the local office of the Internal Revenue Service. 



Installment 1 
May, 1983 



19 

NO RESPONSE TO CORRESPONDENCE 



It is difficult for 0PM to match correspondence with a 
claim folder when the annuitant does not provide suffi- 
cient identifying data (such as name, date of birth, 
claim number). If the claim number is unknown, an 
employee or retired employee inquiring about service 
or a claim should be sure to furnish full name, social 
security number, and date of birth. Similarly, a 
survivor annuitant or other person inquiring about 
benefits based on the service of a deceased employee or 
deceased annuitant must furnish the full name, social, 
security number, and date of birth of the deceased. 
This will help 0PM answer the correspondence. 

OPM's Employee Service and Records Center maintains the 
Civil Service retirement records of employees that have 
transferred or separated. This is where retirement and 
death claim cases are assembled prior to adjudication and 
where they are filed after adjudication. Consequently, 
correspondence about a case should be directed to the 
following address: 

U.S. Office of Personnel Management 
Employee Service and Records Center 
Boyers, PA 16017 

If the question is of an urgent nature, the appropriate 
Annuity Roll Service Branch should be contacted. Claims 
are assigned to the Branches according to the last 
digit of the claim number. The Branches and claim 
number assignments, are listed below. However, 0PM 
cannot process an adjustment to an annuity or change 
the records of any annuitant without a written request 
signed by the annuitant. 

Last Digit of Telephone 

Claim Number Number 



0, 1 (202) 632-5007 

2, 3 (202) 632-5007 

4, 5 (202) 632-5623 

6, 7 (202) 632-5623 

7, 9 (202) 632-7457 



Installment 1 
May, 1983 



21 

CHANGE OF ADDRESS 



If an annuitant wishes to change his or her address, 
0PM will honor a written and signed request. The 
annuitant may call the Retirement Information Branch at 
(202) 632-7700 and be mailed a pre-addressed postcard 
(BRI 49-12) for this purpose. Additionally, the monthly 
annuity check is mailed in an envelope that has a change 
of address form on the back. An annuitant may write 
directly to 0PM to report a change of address at the 
following address: 

U. S. Office of Personnel Management 
Civil Service Retirement System 
Retirement Address Unit 
PO Box 686 
Washington, DC 20044 

At this time, a number of annuitants are participating 
in the Electronic Funds Transfer (EFT) program that 
automatically deposits the annuity payment into their 
personal bank accounts . OPM needs two addresses for 
all persons participating in the EFT program. The 
first is the bank address so that annuity payments are 
properly deposited, and the second is a correspondence 
address. There are a number of important notices 
furnished to annuitants each year. Without a current 
correspondence address, an annuitant may miss an impor- 
tant notice concerning his or. her rights or obligations 
as an annuitant. It is possible that 'any annuitant 
failing to respond to a notice may have his or her 
annuity adversely affected until the information re- 
quested by the notice is received and our records are 
corrected. 



Installment 
April, 1984 



23 
CHANGE OF BENEFICIARY 



Those CSA annuitants wishing to designate a beneficiary 
or change their designated beneficiary must complete a 
new SF 2808 form (for retirement benefits) and/or new 
SF 2823 form (for life insurance benefits). The annui- 
tant should complete both copies of the form(s) and 
have them witnessed by two persons. (The designated 
beneficiaries may not serve as witnesses, ) However, it 
is important to note that an annuitant does not need to 
designate a beneficiary if he or she agrees with the 
established orders of precedence for the two programs. 
Both orders have the spouse and children in the first 
and second positions. The complete orders of precedence 
can be found in "A Description and Certification of 
Enrollment in the FEGLI Program" form (SF 2817A) for 
life insurance and on the back of form SF 2808 
(Designation of Beneficiary Civil Service Retirement 
System) for survivor benefits. 

The annuitant can obtain an SF 2808 form from our 
Retirement Information Branch by calling (202) 632-7700. 
The completed forms (original and duplicate copies) are 
to be mailed to: 

U.S. Office of Personnel Management 
Employee Service and Records Center 
Boyers, PA 16017 

0PM will validate the forms when they are received and 
will return the duplicate copies to the annuitant. 



Installment 
April, 1984 



25 



UNEXPLAINED DECREASE OR INCREASE 
IN CHECK AMOUNT 



Occasionally, 0PM must adjust annuities to reflect 
certain changes. Some of the common causes for a change 
in the amount of an annuity will involve changes in 
health benefits rates, the addition of a cost-of-living 
adjustment, adjustment for post-1956 military service 
when the annuitant becomes eligible for Social Security 
benefits, and withholdings for such items as government 
claims, garnishments, apportionments, and taxes, 0PM 
advises annuitants (in writing) about these adjustments. 
However, sometimes the annuitant finds it difficult to 
interpret the statement or fails to receive the state- 
ment. In such a circumstance, the change can be 
explained by calling the Retirement Information Branch, 
(202) 632-7700. 



Installment 4 
April, 1984 



27 

COLLECTION OF OVERPAYMENTS 



Circumstances can arise which require that an annuity 
be reduced or stopped, and in some instances, overpay- 
ments will occur. When an annuitant is overpaid, 0PM 
furnishes the individual with a notice informing him 
or her of the reason for the overpayment, our need to 
recover the money, and his or her rights in connection 
with the debt. The overpayment can be recovered by 
withholding a portion of the monthly annuity, until 
the total amount of the overpayment is recovered. 
This is called administrative offset. (If a regular 
annuity is no longer payable, the money is recovered 
through direct collection or if the annuitant is re- 
employed by the Federal Government, salary offset. ) 
The administrative offset or collection action is de- 
layed to allow the individual sufficient time to exer- 
cise his or her legal rights of reconsideration, waiver/ 
compromise or request for a repayment agreement. 

When a request for reconsideration, waiver/compromise or 
an adjustment in the recovery schedule is made, 0PM may 
determine that the claimant qualifies for an adjustment 
in the recovery schedule, compromise of a portion of 
the debt, or a waiver of the entire overpayment. We 
will excuse the annuitant from recovery action if he or 
she can establish that he or she was both, not at fault 
in causing or contributing to the overpayment, and that 
the recovery action would be contrary to the principle 
of equity and good conscience. 

If OPM denies the annuitant's request that all or part 
of the overpayment be excused, he or she has the right 
to appeal the decision to the Merit Systems Protection 
Board, unless the debt involves Health Benefits or Life 
Insurance premiums. For Health Benefits and Life 
Insurance premiums, 0PM 1 s decision is final and there 
are no further administrative review rights. 

For information on collection of overpayments, contact 
the Reconsideration and Debt Collection Division, at 
(202) 254-7430, 



Installment 
April, 1984 



V 

29 



DEATH OF AN ANNUITANT 



When a retired employee or survivor annuitant dies, 
the next of kin or beneficiary should notify 0PM' s 
Retirement Information Branch at (202) 632-7700 as soon 
as possible. 0PM must be provided with: 

1. the deceased's name; 

2. date of birth; 

3. claim number (CSA or CSF) ; and 

4. the name and address of any apparent eligible 
survivors. 

After 0PM receives this information, we will stop pay- 
ments to the deceased and mail the proper application 
forms to the individuals who appear to be entitled to 
survivor benefits. 

The survivor should wait for 0PM to mail the application 
forms. This normally takes two to three weeks. It is 
important to wait for these forms because they will 
include information on how to fill them out and, more 
importantly, will advise the survivor what the new claim 
number is. By using that number in filing a claim, the 
survivor will assure that 0PM will quickly match the 
application with the file and will thereby hasten special 
advance payments, if these are appropriate. 

All the "annuitant's uncashed checks should be returned 
to the Treasury Department in the envelope in which the 
checks were mailed, with the date of death noted on 
each envelope. Under no circumstances should a check 
payable to a deceased annuitant be negotiated. In fact, 
It is a violation of Federal law to do so. If a check 
was already cashed, the amount will be reclaimed auto- 
matically. The deceased's family or estate should not 
send personal checks to the Treasury Department or to 
0PM to cover the cashed checks, unless a payment request 
is received from OPM. 



Installment 4 
April, 1984 



30 

After receipt of the proper application forms from 0PM, 
the survivor should complete the "Application for Death 
Benefits" form ( SF 2800) and, if applicable, the Claim 
for Death Benefits" form (FE-6) for life insurance. 
In the envelope provided by 0PM, the completed SF 2800 
(along with a certified copy of the death certificate) 
should be sent .to: 

U.S. Office of Personnel Management 
Employee Service and Records Center 
Boyers, PA 16017 

In the envelope provided by OPM, the applicant should 
send the FE-6, if applicable (along with a certified 
copy of the death certificate) to: 

Office of Federal Employees 1 

Group Life Insurance 
4 East 24th Street 
New York, NY 10010 



31 
REEMPLOYED ANNUITANTS 



Under current law, any annuitant may be reemployed in 
either the Federal or District of Columbia government. 
No approval is needed from 0PM. However, the employing 
agency must notify OPM when any annuitant is reemployed. 

The type of retirement an employee was separated under 
determines the effect reemployment has on an annuity. 
The effect of reemployment on those who retired volun- 
tarily or for disability (and not found recovered or 
restored to earning capacity) is as follows! 

1. The annuity continues; 

2. The reemployed annuitant 1 s pay is reduced by the 
amount of annuity he or she receives for the period; 

3. For most annuitants, no Social Security deductions 
are withheld from his or her pay; 

4. The reemployed annuitant may elect to have Civil 
Service Retirement contributions withheld from his 
or her pay during reemployment, if the employment 
is expected to last one year or more; and 

5. The reemployed annuitant may be eligible for: 

a. supplemental annuity benefits after performing 
continuous, full-time service for one year (or 
the part-time equivalent of one year), or 

b. a recomputation (under the law currently in 
effect) after performing Continuous, full-time 
service for at least five years (or the, part- 
time equivalent of five years). 

If a medically recovered (or restored} retiree or an 
involuntarily separated retiree (not for misconduct or 
delinquency) is reemployed in a position subject to 
retirement coverage, OPM will terminate his or her 
annuity. The employe will receive the full salary of 
the position and future annuity rights will be determined 
by the law in effect at the time of the subsequent 
separation from service. 



Installment 4 
April, 1984 



33 
FEDERAL INCOME TAX 



A Federal law requires that 0PM withhold Federal Income 
Tax from monthly annuity checks unless the annuitant 
elects not to have income tax withheld. Generally, 
annuitants who have not yet received in annuity payments 
an amount equal to the contributions they made to the 
retirement fund do not pay income tax on their annuities. 
However, all annuity that is in excess of the amount 
of contributions is generally taxable. Approximately 90 
days prior to the time that an annuity becomes taxable, 
the annuitant will automatically receive a tax withhold- 
ing election form. 

The annuitant has the option of (1) electing not to 
have any withholding, or (2) electing to have withhold- 
ing based on a number of allowances. If the election 
form is not returned to 0PM before the stated time 
limit, withholding will begin as though the annuitant 
were married with three allowances. 

During January of each year, 0PM mails (separately) 
Federal Income Tax Withholding Statements and Informa- 
tion Returns (Forms W-2P) . Each annuitant receives 
three copies (B, 2, and C) of Form W-2P. The annuitant 
must file Copy B with his or her Federal tax return. 
Copy 2 should be filed with the annuitant's State or 
local tax return, and Copy C is furnished for the 
annuitant's own records. 

In most combined award cases (i.e., where benefits are 
paid to a widow(er) and child(ren), or child(ren) only, 
the W-2P will show the amount of annuity paid to each 
individual survivor. In a relatively few cases this 
individual survivor information cannot yet be computer- 
produced and is not provided on the W-2P. In these 
cases the payee can request such information from 0PM 
and we will develop it manually, 

0PM cannot make refunds for tax monies withheld from 
annuities, since 'tax monies are remitted to the Treasury 
Department on a continuous basis. The annuitant should 
claim all payments of tax (or refunds) in the normal 
annual filing of the Federal income tax return. 



Installment 3 
November, 1983 



34 



The oamohlet, "Comprehensive Tax Guide to U.S. Civil 
ServiceRetirement Benefits", (Publication 721) can an- 
swer many general questions about taxation of annuities. 
The pamphlet is Available at local offices of the 
Internal Revenue Service. 

OPM has no jurisdiction over tax matters, Il } co ^ e , t f^ 
questions about individual cases should b.e referred to 
the IRS for detailed explanations. However, annuitants 
needing to know such things as how ?h contrxbuted 
to the retirement fund, should write to ' if *J 
permits, or call the Allotments Branch at (202) 632 5695- 
Written inquiries should be directed to. 

U.S. Office of Personnel Management 
Annuitant Services Division 
Allotment Branch 

PO Box 989 
Washington, 'DC 20044 



Installment 3 
November, 1983 



35 



STATE INCOME TAX 



The law now permits 0PM to enter into agreements with 
States to withhold State income tax from the annuities 
of Federal retirees residing in the State. The program 
is voluntary for States and for annuitants. Any annui- 
tant interested in having State tax withheld from his 
or her annuity should be advised to contact the State's 
office of revenue or taxation to determine (1) if the 
State is participating with 0PM in the withholding 
program, and (2) if so, how to obtain additional infor- 
mation about having State tax withheld. 0PM cannot 
assist annuitants with procedures for withholding 
because each State's proce.ss may be different. 



Installment 1 
May, 1983 



37 

DISCONTINUANCE OF ANNUITY PAYMENTS 



There are several circumstances that can cause 
discontinuance of annuity payments. When there is a 
change in an annuitant 1 s circumstances, it is the 
responsibility of the annuitant to notify 0PM. Common 
events that can cause 0PM to stop annuity payments are 
listed below. 

1. Disability Recovery. (Also see Special Procedures 
for Disability Annuitants on page 14.) 

The payment of a disability annuity is based on the 
determination that the annuitant is not able to work 
or earn an adequate income. OPM will discontinue 
annuity payments to a disability retiree if he or 
she is (1) found recovered from the medical condi- 
tion, or (2) found restored to earning capacity. 
OPM discontinues annuity payments one year from 
the date of recovery or at the expiration of six 
months from the end of the calendar year in which 
earning capacity is restored. (Payment of a dis- 
ability annuity stops one year from the end of 
the calendar year in which earning capacity was 
restored, if the finding of restoration to earning 
capacity is based on income earned before January 1, 
1983. ) If the annuitant is eligible for optional 
or discontinued service retirement annuity, the 
annuitant will be furnished an application for 
these benefits. The completed application should 
be returned to OPM as soon as possible so the new 
type of annuity can be issued. 

2. Failure to Respond. 

The law requires OPM to survey certain categories of 
annuitants periodically to determine eligibility 
for continued annuity payments. OPM suspends 
annuity payments if an annuitant fails to respond 
to an OPM survey or inquiry. Once a response 
establishing eligibility is received, the annuitant 
is restored to the annuity roll retroactive to the 
date payments stopped. 



Installment 
May, 1983 



38 

3. Marriage of a Surviving Widow or Widower* 

A survivor annuity to a widow or widower will, also 
be discontinued if the widow or widower marries 
again prior to age 60. 

4. Child Reaches Age 18 or Ceases to be 
a Full-Time student. 

Unmarried survivor children will continue to receive 
an annuity until the age of 18, unless the survivor 
child is enrolled as a full-time student. As a 
full-time student, a survivor child can receive an 
annuity through the semester he or she turns 22 . 

5. Checks Returned as Undeliverable. 

When two consecutive annuity checks addressed to 
the same annuitant are returned by the Postal 
Service as undeliverable, annuity payments to that 
annuitant will be suspended by OPM. Once a correct 
address is developed, the annuitant is restored to 
the annuity roll retroactive to the date of the 
first returned check. 



Installment 1 
May, 1983 



39 



MEDICARE 



The Social Security Administration (SSA) , through the 
Health Care Finance Administration (HCFA) , administers 
Medicare. Annuitants requesting specific information 
on Medicare's benefits should be referred to their 
local Social Security office, not to 0PM. 

OPM has only one role in Medicare premium collection. 
It can deduct, from each monthly annuity check, the 
retiree f s (and/or spouse's) share for the cost of 
Medicare's Medical Insurance (Part B). (The annuitant 
or survivor must request that this be done through SSA.) 
OPM makes this deduction only from the annuity of indi- 
viduals who do not receive Social Security or Railroad 
Retirement benefits. 

OPM withholds Medicare deductions only at the request of 
HCFA at the Social Security Administration Headquarters 
in Baltimore, Maryland. The local Social Security 
district office sends the individual's authorization to 
its regional office. The regional office then forwards 
the authorization to the data processing center in the 
central office in Baltimore. Only after OPM receives 
this authorization from HCFA, may we make the deduc- 
tion. Under its agreement with SSA, OPM cannot deal 
directly with the local Social Security office or with 
annuitants. 



Installment 
May, 1983 



41 
FEDERAL EMPLOYEES 1 HEALTH BENEFITS 



0PM administers the Federal Employees' Health Benefits 
(FEHB) Program and the Retired Federal Employees' Health 
Benefits (RFEHB) Program. 0PM publishes brochures for 
the plans participating in the Program and a specific 
brochure can be obtained from the Retirement Information 
Branch at (202) 632-7700. The brochure for the plan in 
which the annuitant is enrolled provides information 
about the medical coverage for that plan. 

The regulations governing the operation of the. FEHB 
Program require that an employee be enrolled in the 
Program for at least five years immediately preceding 
his or her separation for retirement (or from his or 
her first opportunity to enroll, if shorter) in order 
to be eligible to be enrolled in the program as an 
annuitant. 

If a question requires access to recprds, the individual 
(or his or her representative) may call the Insurance 
Services Branch. Work within that Branch is assigned 
alphabetically by the last name of the annuitant. The 
following is a listing of the telephone numbers for 
contacting the branch. 



Branch by 

Alphabetical Telephone 

Assignment Number 



A - K (202) 632-8438 

L - Q (202) 632-8800 

R - Z (202) 632-5478 



Each plan's brochure specifies (under the "General 
Information" heading) what procedures to follow in case 
an annuitant disagrees with the plan's decision to deny 
payment or provision of services. 



Installment 
April, 1984 



42 



If a question is about the participation of carriers 
in the Health Benefits Program or the interpretation 
of claim and/or benefit provisions of contracts and 
brochures, call the following OPM office: 

Office of Insurance Programs 
Program Coordination and 

Control Division (202) 632-5133 



43 

RETIRED FEDERAL EMPLOYEES 1 HEALTH -BENEFITS 



Federal employees who retired prior to July 1, 1960, 
the effective date of the FEHB Program, may be eligible 
for coverage under the Retired Federal Employees 1 Health 
Benefits (RFEHB) Program. This Program has three 
options. First, the annuitant can be enrolled in the 
Uniform plan. This plan is operated by the Aetna 
Insurance Company and operates much like those plans 
under the FEHB Program. Second, an annuitant can 
certify that he or she is enrolled in an OPM approved 
plan and be paid an amount by OPM for use in paying the 
premium. Third, the annuitant can be covered by 
Medicare. Coverage under Medicare is discussed more 
fully in another section of this package. 

It is unlikely that there will be many inquiries 
regarding coverages or benefits under RFEHB. However, 
any questions about this Program should be referred to 
the Insurance Services Branch. The following is a 
listing of the telephone numbers for contacting the 
branches. 



Branch by 

Alphabetical Telephone 

.Assignment Number 



- K (202) 632-8438 

- (202) 632-8800 

- Z (202) 632-5478 



Installment 4 
April, 1984 



45 



FEDERAL EMPLOYEES 1 GROUP LIFE INSURANCE 



Eligibility for Federal Employees' Group Life Insurance 
( FEGLI ) coverage as an annuitant requires an employee 
to participate in the program for at least five years 
immediately preceding his or her separation for retire- 
ment purposes {or from his or her first opportunity to 
enroll, if shorter). Most annuitants wish to know how 
much is payable in benefits. 

There are three levels of basic FEGLI coverage available 
to retired employees. The first level requires no 
premium and pays, for annuitants under age 65, an amount 
that is roughly the annuitant's final salary plus an 
additional $2,000. At age 65, the benefits begin to 
decrease at the rate of two percent per month until a 
payable benefits floor of 25 percent of the original 
coverage is reached. 

The second level limits the reduction after age 65 to 
50 percent of the original coverage. This requires the 
annuitant to pay a specified monthly premium for the 
additional coverage. These premiums are deducted from 
the annuity and start when the annuity does. At age 
65, the benefits begin to decrease at the rate of one 
percent per month until the 50 percent is reached. 

The third level, which requires a higher monthly payment 
than the second level, eliminates the reduction at age 
65 altogether. 

There are also three optional FEGLI coverages that 
employees can carry over into retirement ( Standard 
Optional, Additional Optional, and Family Optional). 
For further information on these three optional coverages 
annuitants may refer to the booklet, "A Description and 
Certification of Enrollment in the FEGLI Program" ( SF 
2817A) , which is available from any personnnel office, 
or contact the Insurance Services Branch, listed on 
page 43. 



Installment 1 
May, 1983 



47 
ACTIVE EMPLOYEES 



Employees should contact their agency personnel offices 
with questions about retirement, health benefits, and 
life insurance. OPM cannot provide adequate responses 
because we do not have the employee's salary and service 
records. Employees should be urged to seek specific 
information from their own personnel offices, (Anv 
agency provides the full range of personnel services 
to its employees . ) 



Installment 
May, 1983 



49 

REFUNDS OF CONTRIBUTIONS 



Frequently, separated employees inquire about delays in 
receiving refund checks. They should contact their 
former employing agency to determine if the form SF 2802 
(Application for Refund) and form SF 2806 (Individual 
Retirement Record) have been forwarded to 0PM. 

Many applicants think that personnel offices forward 
refund applications directly to 0PM. This is not so. 
Agency personnel offices forward the refund application 
to the agency payroll center having jurisdiction over 
the applicant's place of employment. 

After payment of the final salary check and a lump sum 
payment for any annual leave, the agency payroll center 
attaches the employee's form SF 2806 (which shows total 
retirement deductions withheld in the agency) to the 
refund application. The payroll center then forwards 
the refund application, forms SF 2806 and SF 2807 
(Register of Separations and Transfers), to 0PM. 

The law now requires that an employee be separated from 
service for 31 consecutive days, and not be within 31 
days of having eligibility for an annuity, before 0PM 
can authorize the issuance of a refund check. Therefore, 
if more than 45 days have elapsed since the employee's 
former agency forwarded the employee' s records and 
application to OPM and a Refund Check has not been 
received, the applicant should call the Retirement 
Information Branch at (202) 632-7700. That office will 
need the following information before they can provide 
assistance: 

1 . The date , serial number , and mail ing date 7 of the 
Register of Separations and Transfers (SF 2807) 
that the payroll center forwarded the records with; 

2. The agency's payroll office number; and 

3. The date of separation. 



Installment 4 
April, 1984 



50 



Former Federal employees wishing to receive a refund of 
retirement deductions should call the Retirement 
Information Branch at (202) 632-7700, and request an 
Application for Refund of Retirement Deductions form 
(SF 2802)* 



Installment 4 
April, 1984 



51 



INQUIRIES PROM FORMER FEDERAL EMPLOYEES 



A former employee may inquire about retirement rights 
based on past Federal service. Since retirement rights 
are determined by the law in effect at the time of 
separation from Federal service, the information 
contained in current retirement literature may not be 
accurate for the claimant who has been separated for 
some t ime . 

In such a case, the person seeking information should 
write to 0PM for authoritative information. However, 
in nearly every case, a former Federal employee with at 
least five years of creditable service (who has not 
received a refund of retirement deductions) is entitled 
to a deferred annuity at age 62. To apply for a deferred 
annuity, the former employee should write to: 

U.S. Office of Personnel Management 
Employee Service and Records Center 
Boyers, PA 16017 

The former employee should furnish his or her name , 
address, date of birth, Social Security number, and the 
separation date from the last period of Federal service. 
NOTE: The form, SF 2801, is no longer used to file for 
deferred annuities. Applicants for deferred annuities 
should use either form 0PM 1496 or 0PM 1496A, These 
forms must be obtained from OPM by writing the Employee 
Service and Records Center at the address listed above. 



Installment 
May, 1983 



53 
OVERVIEW OF RETIREMENT PROCEDURES 



OPM tries to use computers and to simplify procedures 
as much as possible in processing and paying annuities. 
We must recognize, however, that the process will never 
be wholly automated. The work involves input by people, 
based on records prepared by people, so occasional 
errors and omissions result. 

When OPM receives an application for retirement. benefits, 
we search the files in our Employee Service and Records 
Center in Boyers, Pennsylvania to collect all our 
records and information on that individual. (If neces- 
sary, a search will be made at the National Records 
Center in St. Louis, Missouri , as well. ) All of the 
information is assembled into one claim file and is 
used to determine the claimant's eligibility and to 
compute the amount of any benefit payable. If an 
application for disability retirement is involved, a 
decision must be made on eligibility for disability 
benefits before further processing can occur. 

Once OPM assembles all the records, the claim file is 
delivered to the appropriate Claims Branch. The Branch 
develops any missing information and then assigns the 
case to one of the Claims Examiners. A Claims Examiner 
verifies and extracts all the information from the file 
that the computer needs to take over (i.e., salary 
rates to compute the high-three average salary, beginning 
and ending dates of creditable service, etc.). 

** 

After the computer does its work and the annuity is 
computed, the file is sent to the Review and Control 
Branch. This Branch authorizes the Treasury Disbursing 
Center to begin payment of the annuity or other benefits, 
Once an annuitant is on the rolls, subsequent changes 
are processed by the Annuity Roll Service Branches. 
Annuity payments will continue until the annuitant dies 
or otherwise loses eligibility. 



Installment 1 
May, 1983 



A-l 



ATTACHMENT 1 

U.S. OFFICE OF PERSONNEL MANAGEMENT 
CONTACT INFORMATION 



All general telephone inquiries should be directed to 
the Retirement Information Branch at (202) 632-7700. 

All general written inquiries should be directed to: 

U.S. Office of Personnel Management 
Employee Service and Records Center 
Boyers, PA 16017 

Specific inquiries concerning the following items should 
also be directed to the above telephone number and 
address. 

Annuity Rate Computation 

Change of Beneficiary 

Unexplained Decrease or Increase in Check Amount 
Death of an Annuitant 
Reemployed Annuitants 
Discontinuance of Annuity Payments 

Reinstatement of Disability Annuitants to the Roll 
Collections of Overpayments from Active Annuitants 



Repbrts concerning the failure to receive an annuity 
check should be directed to OPM at the following 
address* 

U.S. Office of Personnel Management 
Check Non-receipt 
P. 0. Box 7815 
Washington, DC 20044 



Installment 4 
April, 1984 



A- 2 



Questions concerning: 

Federal Tax Withholding and Notices 

Garnishments 

Apportionments 

Bankruptcies 

should be directed to the Allotment Branch, Annuitant 
Services Division at (202) 632-5695, or write to: 

U.S. Office of Personnel Management 
Annuitant Services Division 
Allotment Branch 

PO Box 989 
Washington, DC 20044 

Questions concerning: 

Federal Employees Group Life Insurance 

Federal Employees Health Benefits Program 
(Retirees only) 

Retired Federal Employees' Health Benefits 

should be directed to the following address and telephone 
numbers: 

U.S. Office of Personnel Management 
Annuitant Services Division 
insurance Services Branch 
1900 E Street, NW 
Washington, DC 20415 




Assignment 

'(202) 632-8438 

A " K (20 2) 632-8800 

L " (202 ) 632-5478 



installment 4 
Aprilr 1904 



A-3 



Questions or reports- concerning waste, fraud, or abuse 
of the Civil Service Retirement System should be directed 
to the Program Integrity Section of Annuitant Services 
Division at (202) 254-9313, or write to: 

U.S. Office of Personnel Management 
Annuitant Services Division 
Program Integrity Section 
PO Box 7174 
Washington, DC 20044 



Questions concerning: 

Disability Earnings Survey 

Student Child Benefits 

Widow(er) Benefits 

should be directed to the Retirement Inspection Branch 
at (202) 632-7467, or write to: 

U.S. Office of Personnel Management 
Annuitant Services Division 
Retirement Inspection Branch 
1900 E Street, NW 
Washington, DC 20415 

Questions concerning: 

Pending Disability Retirement Claims 
Disability Retirement Claims That Have Been Denied 

should be directed to the Disability Claims Division at 
(202) 632-4650 (for pending cases) and (202) 632-5510 
(for applications that have been denied), or write tot 

U.S. Office of Personnel Management 
Disability Claims Division 
1900 E Street, NW 
Room 3468 
Washington, DC 20415 



Installment 4 
April, 1984 



A- 4 



Questions concerning right of reconsideration should be 
directed to the Reconsideration and Debt Collection 
Division at (202) 254-7430, or write to: 

U.S. Office of Personnel Management 
Reconsideration and Debt Collection Division 
Room 3457 
PO Box 300 
Washington, DC 20044 



Questions concerning the collection 1 of overpayments from 
former annuitants or other individuals should be directed 
to the Reconsideration and Debt Collection Division at 
(202) 254-3094, or write to: 

U.S. Office of Personnel Management 
Reconsideration and Debt Collection Division 
Room 3471 
PO Box 300 
Washington, DC 20044 



Questions concerning pending retirement applications 
should be directed to the following address and telephone 
numbers. 

U.S. Office of Personnel Management 
Retirement Claims Division 
1900 E Street, NW 
Washington, DC 20415 



Branch by 

Alphabetical Telephone 

Assignment Number 

A - Co (202) 632-8653 

P - G (202) 632-6135 

L - (202) 

P - So (202) 632-3756 

Sp - Z (202) 632-5450 



Installment 4 
April, 1984 



United States 



Attachment B 



B-l 



r 



L 



Office of Personnel Management - Retirement and Insurance Program 
Washington, D.C. 2041s 

CIVIL SERVICE ANNUITY STATEMENT 

KEEP THIS STATEMENT, YOU WILL NEED IT FOR FEDERAL INCOME TAX AND FOR OTHER PURPOSES. 

AS SHOWN BELOW, YOU HAVE BEEN AWARDED AN 
-i ANNUITY A3 A RETIRED EMPLOYEE OF THE UNITED 

1 STATES GOVERNMENT. YOUfl INITIAL PAYMENT CHECK 

WILL BE MAILED TO YOU NOT LATER 



JOHN DOE 
2809 S RYAN 
NORMAN OK 73069 



J 



CLAIM NUMBER 

CSA1234567 



Please b sure to furnish your C9A 
clalmnumb*rl*yoLinedtoconttctui 
for any reason. 



TYPE OF RETIREMENT 

NON-DISABILITY 




YOUR TOTAL CONTRIBUTIONS TO THE RETIREMENT FUND 

4556.00 


INITIAL PAYMENT INFORMATION: SEE OTHER ft IDE FOB EXPLANATION OF "OTHIN DEDUCTION OR ADDITION" CODH, 


PERIOD COVERED 


GROSS ANNUITY 
PAYABLE 


HEALTH 
BENEFITS 


STANDARD 
OPTIONAL 
LIFE INSURANCE 


OTHER EDUCTION OH AD DITI ON 


"AMOUNT OF 
FIRST CHECK 


COMMENCING 


PAID THROUGH 


CODE 


AMOUNT 


01/01/83 
SEI 


02/28/83 
BELOW FOR 


480.00 
MONTHLY I 


-236.16. 
ATE(S) IN\i 


+ .00 
OLVED IN 


11 

INI1 


-216.00 
IAL PAYMEb 


27.84 
T 


RECURRING MONTHLY PAYMENTS: SEE OTHER 8101 fQR EXPLANATION W "OTHEfl DEDUCTION OR ADDITION ' CODES. 


DATE OF MONTHLY CHECKS 


CROSS MONTHLY 
ANNUITY RATE 


HEALTH 
BENEFITS 


STANDARD 
OPTIONAL 
LIFE INSURANCE 


OTHER DEDUCTION Oft ADDITION 


NET REGULAR 
MONTHLY CHECK 


CODE 


AMOUNT 


EACH REGULAR MONTHLY CHECK 
WILL BE DATED THE FIRST BUSINESS 
DAY OF THE MONTH AFTEH THE 
MONTH FOR WHICH PAYMENT 13 DUE. 


240.00 


^118.08 


+ .00 






121.92 



VOLUNTARY CONTRIBUTIONS INFORMATION 



SURVIVOR ANNUITY INFORMATION 



VOLUNTARY CONTRIBUTION ANNUITY 
INCLUDED IN GROSS MONTHLY ANNUITY 
RATE 

NONE 


VOLUNTARY CONTRI- INTEREST ON VOLUM- 
BUTION EQUITY TARY CONTRIBUTION 
(INCLUDES INTEREST! EQUITY 

NONE NONE 




NAME OF DESIGNATED SURVIVOR <7 
LETTERS OF FIRST NAME AND MIDDLE 
INITIAL) 

MARY A 


SURVIVOR'S GROSS 
MONTHLV RATE 

135.00 


HEALTH BENEFITS 




GROUP LIFE INSURANCE 






ENROLLMENT 
CODE 


CARRIER CONTROL 
NUMBER 


TYPE 


AMOUNT ATflETIREMENT 


MONTHLY REDUCTION AFTR 
AQE BS OR RETIREMENT. 
WHICHEVER IS LATER 


AMOUNT AFTER 
FINAL REDUCTION 


102 


123456ZJB9 


POST-RET. 
BASIC 


23000.00- 


460.00 PER MO 


5750.00 




STANDARD 
OPTIONAL 


NONE 


NONE 


NONE 


ADDITIONAL 
OPTIONAL 


NONE 


NONE 


NONE 


FAMILY 
OPTIONAL 


NONE 


NONE 


NONE 



YOU WILL RECEIVE ANOTHER SPECIAL PAYMENT CHECK ON THE 1ST OF NEXT MONTH, 

EFFECTIVE GROSS HEALTH OPTIONIAL REGULAR ADDITIONAL FAMILY 
DATE ANNUITY BENEFITS L.I. L.I. OPTIONAL L, I . 



01/01/83 240.00 



118.08 



.00 



.00 



,00 



+ .00 



Sea other tide for Other Deductkm or Addition Code* 



BRt -S18 
Rw, 



Attachment B B-2 

If any of the following Other Deduction or Addition Codes appear on your civil service annuity statement, it means 
that an adjustment in the amount shown is being made to your annuity check for the reason given after the 
corresponding code number below: 



Code Deduction tor: 

10 Government Claim 

11 Advance Special Payment 

12 Annuity Overpayment 

14 , Collection of Deposit or Redepoait 

17 Post-Retirement Basic Life Insurance 

18 Additional Optional Life Insurance 

19 Family Optional Life Insurance 

HI Health Benefit* 

-fiO t 

24 Medicare 

25 Standard Optional Life Insurance 

31 Federal Income Tax 

32 State Income Tax 



Code Addition for: 

32 Accrued Annuity Due 

54 Deposit or Redeposit Adjustment 

57 Post-Retirement Basic) Life 

58 Additional Optional > Insurance 

59 Family Optional ) Premiums 

62 Refund of Deductions 

63 Interest on Refunded Deductions 

64 Refund of Voluntary Contributions 

65 Interest on Refunded Voluntary Contributions 
75 Standard Optional Life Insurance 



Request for Reconsideration- The Office of Personnel 
Management (OPMJ has published regulations which 
prescribe the following procedures for an individual to 
request reconsideration of an initial decision made by 
the Retirement and Insurance Programs administered 
by OPM in any case where the decision: 

1. affects your rights or interests under the Civil 
Service Retirement System {5 C.F.R., Part 831); 

2. denies you basic or any type of optional life 
insurance coverage under the Federal 
Employees' Group Life Insurance Program (5 
C.F.R., Parts 870, 871, 872 and 873); 

3. refuses your request to enroll or change 
enrollment in the Federal Employees Health 
Benefits Program or the Retired Federal 
Employees Health Benefits Program (5 C.F.R. 
Parts 890 and 891); or 

4. refuses your request to permit coverage of 
someone as a family member under the Federal 
Employees Group Health Benefits Program or the 
Retired Federal Employees Health Benefits 
Program (5 C.F.R,, Parts 890 and 891), 

An initial decision subject to reconsideration must be 
in writing and given to you by an office of the 
Retirement and Insurance Programs, OPM. You may 
request reconsideration of a"n initial decision denying 
you specifically requested benefits only after you have 
received notification of this decision from OPM in 
writing. 



A request for reconsideration must be made in writing, 
and include your name, address, date of birth, claim 
number (if appropriate), name of the plan you are 
enrolled in (if appropriate), and the reasons for the 
request. 

Your request must be filed with OPM within 30 days of 
the date of the initial decision. The time limit may be 
extended, however, if you can show that you were not 
aware of the time limit, were not notified of it, or were 
prevented from writing due to cause beyond your 
control. 

Send your request for reconsideration to; 
Office of Personnel Management 
Retirement and Insurance Programs 
Post Office Box 300 
Washington, D.C. 20044 

'Please note that the above address should be uaed to 
file a formal request for reconsideration only. General 
inquiries concerning your annuity computation, 
information on benefits, or requested changes in 
benefits should be sent to the following addrose: 
Office of Personnel Management 
Civil Service Retirement System 
Washington, D.C, 20415 

Please also note that these instructions do not apply 
to a requeat for reconsideration of a claim denied by 
your health insurance carrier, All such requests 
should be sent to the address ahown in your plan 
brochure. 

After reconsideration, OPM will Bend you a final 
decision in writing. Copies of the decision also will be 
sent to any competing claimants or to your employing 
office, if appropriate. 



OPO S0fl. 



GOVERNMENT PRINTING OFFICE. 1 98 5-4 6 1 - B 7 O/ I t B