Form Approved: OMB Number 3206-0170 Application For Refund of Retirement Deductions Federal Employees Retirement System To avoid delay in payment: (1) Complete both sides of application in full-2025

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FERS is a retirement plan that provides benefits from three different sources: a Basic Benefit Plan, Social Security and the Thrift Savings Plan (TSP). Two of the three parts of FERS (Social Security and the TSP) can go with you to your next job if you leave the Federal Government before retirement.
Use form SF 3107, FERS Application for Immediate Retirement, to apply for immediate retirement. You can obtain the form from your employing agency. Submit the completed application to your employing agency. Give your agency at least 60 days notice before the date you intend to retire.
You can typically expect to receive your refund within 30 to 45 days from the date OPM receives all your necessary forms.
If you are leaving your Federal job and want a refund of your retirement contributions, you can get an application from your personnel office, complete it, and return it to them. If you are no longer in the Federal service, you can acquire the appropriate application from our website.
All of this paperwork, Pierce and Campbell said, should be submitted to the agency as early as allowed, usually 90 days before retirement.
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Most retirees will receive their first full annuity check within 3-5 months of retiring. During processing, you will receive: Interim payments, typically 6080% of your estimated net annuity to help cover your expenses. Any health insurance coverage you elected to take into retirement.

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