Eligibility
A chart of minimum age, minimum service and special requirements for each type of retirement, a Minimum Retirement Age (MRA) table by year of birth, and the age reduction of 5 percent per year (5/12 of a percent per month) under age 62.
SF3113
Applying for Immediate Retirement Under the FERS System
- Agency
- GSA
- Revision
- Revised May 2012
- Fillable fields
- 1
- Pages
- 24
- Official source
- GSA form page
- Checked
- October 20, 2026
Standard Form 3113 (SF 3113): Applying for Immediate Retirement Under FERS
Standard Form 3113 (SF 3113), Applying for Immediate Retirement Under the Federal Employees Retirement System, is a U.S. Office of Personnel Management (OPM) pamphlet, Revised May 2012. GSA hosts a copy in its forms library.
The pamphlet says it is for current Federal employees covered by FERS who want to apply for retirement with an immediate annuity, one beginning within 30 days after the date of final separation from Federal service. That includes people who transferred to FERS from the Civil Service Retirement System (CSRS). It is used along with SF 3107, FERS Application for Immediate Retirement, and covers eligibility, continuing health, life, dental, vision and long term care coverage, applying for benefits, payments and survivor benefits.
The pamphlet says not to use it, or SF 3107, for a deferred annuity, and points to RI 92-19 instead. You can open it free in your browser on this page and download it without an account.
What's in SF 3113
Postponing the beginning date
Choosing a beginning date between the MRA and 2 days before the 62nd birthday, and what that means for life insurance, health insurance, long term care, cost-of-living adjustments and survivor benefits.
Health, life, dental and vision coverage
The five years of enrollment before retirement for FEHB and FEGLI, the agency transfer of FEHB enrollment to OPM, FEDVIP premiums, and SF 2818, SF 2823 and SF 3102.
Long Term Care Insurance
Coverage continues into retirement as long as premiums are paid, with a phone number for arranging payment, and a spouse's eligibility to apply.
Applying for benefits and payments
Using SF 3107, the agency's role, address changes, the beginning date of annuity, monthly payment dates, Direct Deposit or Direct Express, and federal income tax withholding.
Survivor benefits
Full and partial survivor benefits, spousal consent and its waiver, former spouses, insurable interest annuities with a reduction table from 10% to 40%, and changing an election after retirement.
The pamphlet's table of contents lists these sections.
How the pamphlet describes applying
- 1
Get SF 3107 from the employing agency
The pamphlet says to use SF 3107, FERS Application for Immediate Retirement, which can be obtained from the employing agency.
- 2
Give the agency at least 60 days notice
Submit the completed application to the employing agency, giving at least 60 days notice before the date of intended retirement.
- 3
Review SF 3107-1
The agency completes Schedule D and SF 3107-1, Certified Summary of Federal Service, and forwards SF 3107-1 for review and signature. The pamphlet says errors will delay processing.
- 4
Choose payment and tax withholding
Section H of SF 3107 sets Direct Deposit or the Direct Express debit card. Without a W-4, the pamphlet says tax is withheld at the rate for a married person with 3 exemptions.
- 5
Make the survivor election
A married applicant's annuity is computed with a maximum survivor benefit unless the spouse consents to a partial or no benefit on SF 3107-2.
- 6
Agency forwards it to OPM
The agency closes out the records and forwards the package to OPM, in most cases so it is received within 30 days after separation. OPM assigns a claim number beginning with CSA.
SF 3113 itself is not filed. These steps are the application process it describes for SF 3107.
Why fill Form SF3113 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 things go and how to reach OPM
Where the application goes
The pamphlet says to submit SF 3107 to the employing agency, which forwards the application and records to OPM.
Contacting OPM
The pamphlet lists 1-888-767-6738 (TTY: 1-855-887-4957), [email protected], and U.S. Office of Personnel Management, Federal Employees Retirement System, P.O. Box 45, Boyers, PA 16017-0045.
Address changes
After the application reaches OPM, report a new address by phone or to U.S. Office of Personnel Management, ATTN: Change of Address, P.O. Box 440, Boyers, PA 16017-0440, citing the claim number.
Changing bank accounts
The pamphlet says SF 1199A can be sent to OPM Retirement Operations, P.O. Box 440, Boyers, PA 16017-0440, or faxed to 724-794-6633, or the change made by calling OPM.
Deferred or postponed annuity
For an annuity beginning more than 30 days after separation, the pamphlet points to RI 92-19, FERS Application for Deferred or Postponed Retirement.
Related forms
SF3107
Application for Immediate Retirement FERS
470 fields, 14 pages
SF3112
Documentation in Support of Disability Retirement Application
213 fields, 10 pages
SF2818
Continuation of Life Insurance Coverage as an Annuitant or Compensationer (FEGLI)
30 fields, 5 pages
SF2823
Designation of Beneficiary - FEGLI
64 fields, 3 pages
SF3102
Designation of Beneficiary - Civil Service and Federal Employees Retirement Systems
34 fields, 3 pages
SF1199A
Direct Deposit Sign-Up Form
213 fields, 4 pages
Who uses SF 3113?
The pamphlet's cover and introduction say who it is written for. It is read, not filed.
Official sources and the blank
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Questions about Form SF3113
Who issues SF 3113?
It is a U.S. Office of Personnel Management (OPM) pamphlet, Revised May 2012, with OPM Retirement Services on the back cover. GSA hosts a copy in its forms library.
Is SF 3113 an application form?
No. It is a pamphlet used along with SF 3107, FERS Application for Immediate Retirement. The pamphlet says SF 3107 is the form used to apply for immediate retirement.
What if the annuity is postponed?
The pamphlet says not to complete SF 3107 in that case, and to contact OPM 60 days before the desired beginning date to request RI 92-19, FERS Application for Deferred or Postponed Retirement.
How much notice does the pamphlet mention?
It says to give the employing agency at least 60 days notice before the date of intended retirement.
When are annuity payments made?
The pamphlet says annuities are payable monthly on the first business day of the month following the one for which the annuity accrued. Payments for June are paid in the check dated July 1.
What survivor benefit options does it describe?
A maximum survivor benefit of 50% of the unreduced annuity with a 10% reduction, a partial benefit of 25% with a 5% reduction, or none. The pamphlet says the partial and no benefit options need the spouse's consent.
When does the annuity begin?
The pamphlet says most annuities begin the first day of the month after separation. Disability and military reserve technician annuities begin the day after pay stops, and involuntary separation annuities the day after separation.