Items 1 to 5: applicant details
Name, date of birth, Social Security Number, address and all other names used, including maiden name if applicable.
SF2804
Application to Make Voluntary Contributions - CSRS
- Agency
- GSA
- Revision
- Revised July 2006
- Fillable fields
- 23
- Pages
- 3
- Official source
- GSA form page
- Checked
- October 20, 2026
Standard Form 2804 (SF 2804): Application to Make Voluntary Contributions (CSRS)
Standard Form 2804 (SF 2804), Application to Make Voluntary Contributions, Civil Service Retirement System, is a U.S. Office of Personnel Management (OPM) form, Revised July 2006, under the CSRS and FERS Handbook for Personnel and Payroll Offices. GSA hosts a copy in its forms library. The footer says the July 1999 edition is usable and all other previous editions are unusable.
The information sheet describes voluntary contributions as optional payments made to the Civil Service Retirement and Disability Fund for the purchase of additional annuity at retirement. It says no monies are accepted until OPM approves the SF 2804, and that employees covered by or retiring under the Federal Employees Retirement System (FERS) are not eligible to make voluntary contributions.
The one-page application has questions 1 to 8b, the applicant's signature and an agency certification, followed by an information sheet to detach and keep. You can fill it out free in your browser on this page and download the result without an account.
What's on SF 2804
Items 6a and 6b: nondeduction service
Whether there is civilian government service with no Civil Service Retirement deductions, and whether a deposit to the Civil Service Retirement and Disability Fund covers it.
Items 7a and 7b: refunded service
Whether deductions were taken and later refunded for any service, and whether a redeposit of the refunded amount was made.
Items 8a and 8b: earlier contributions
Whether voluntary contributions were made and later refunded, and whether there has since been a separation from government service of more than 3 calendar days.
Signature and agency certification
The applicant's statement, signature, date and telephone number, and the agency certification with the agency address, signature, official title and date.
Information sheet
Filing, the 10 percent limit, interest, refunds, buying additional annuity at retirement, death before and after retirement, and federal taxation. The form says to detach it and keep it for future reference.
How to complete SF 2804
- 1
Answer every question
The form says to type or print in ink and answer all the questions.
- 2
Check items 6b, 7b and 8b
The form says that if the answer to question 6b, 7b or 8b is No, do not file this application, and points to the attached information.
- 3
Sign the application
The applicant signs, dates and gives a telephone number under a statement of employment in a CSRS position, or of applying for CSRS retirement, and of having read the attached information.
- 4
Get the agency certification
An employee submits the completed form to the agency personnel office, which completes the agency certification box and forwards the application to OPM.
- 5
Send no payment with it
The form says not to send any payment with the application; a payment sent with it will be returned. OPM sends instructions and an account number once the application is accepted.
Why fill Form SF2804 on indox
You get the real form, filled in a browser tab, with nothing standing between you and the finished PDF.
- Fill the form right in your browser, no software to install
- Free to fill and free to download, with no account
- The official blank straight from the GSA, not a copy someone retyped
- Works on a phone, tablet or computer
Where it goes and what the form says
Where it goes
Employees: the agency personnel office, which forwards it to OPM. People already separated for retirement and waiting for approval: U.S. Office of Personnel Management, Retirement Operations Center, PO Box 45, Boyers, PA 16017-0045.
Payment amounts printed on the form
The form says each payment is in multiples of $25 (i.e., $50, $75, $100, etc), and that contributions cannot be deducted from salary.
Limit on contributions
The form says total contributions cannot be more than 10 percent of the total basic civilian salary received, and any amount found over the limit is refunded without interest.
Help
The form says to ask your personnel office if employed, or, if a personnel office is not available, to contact OPM at the address given or call 1-888-767-6738 (TDD: 1-800-878-5707).
Privacy
Title 5, U.S. Code, Chapter 83, Civil Service Retirement authorizes the collection. The form says failure to supply all of the requested information may delay or prevent approval of the application.
Related forms
Who fills out SF 2804?
The information sheet says who may make voluntary contributions and who certifies the application.
Official sources and the blank
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Questions about Form SF2804
Who issues SF 2804?
The form is printed as a U.S. Office of Personnel Management form, Revised July 2006, under the CSRS and FERS Handbook for Personnel and Payroll Offices. GSA hosts a copy in its forms library.
What are voluntary contributions?
The form describes them as optional payments made to the Civil Service Retirement and Disability Fund for the purchase of additional annuity at retirement.
Can FERS employees use SF 2804?
The form says employees covered by or retiring under the Federal Employees Retirement System are not eligible to make voluntary contributions.
Is a payment sent with the application?
No. The form says not to send any payment with the application, that a payment sent with it will be returned, and that OPM sends full instructions once the application is accepted.
What does the form say about additional annuity?
It says that at retirement at age 55 or younger, with no survivor benefit elected, each $100 to your credit purchases $7 a year of additional annuity, rising by 20 cents for each full year over 55, for example $8 a year at age 60 and $10 a year at age 70. Cost-of-living adjustments are not applied to it.
Can the contributions be refunded?
The form says a refund of all, not just a part, of the voluntary contributions plus earned interest may be paid at any time before retiring and receiving additional annuity, and that the account is then closed.