Federal Employee CSRS and FERS Retirement FormsSF-2801 ...Federal Employee CSRS and FERS Retirement FormsSF-2801 ...Retirement Services Publications & Forms - OPMInformation & Instructions for Completing an Application ...-2025

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CSRS is a single-component system based solely on federal service, while FERS is a three-tiered system that includes Social Security and a Thrift Savings Plan in addition to a basic annuity.
In several ways, the CSRS was a more generous retirement system than FERS. For instance, under CSRS, all retirees received cost-of-living adjustments, even if they retired young. FERS retirees typically receive a cost-of-living adjustment (COLA) only if they retire at age 62 or older.
10) The average monthly annuity payment (does not include income from Social Security or Thrift Savings Plan): FERS: $2,126. CSRS: $5,447.
The maximum benefit you can receive from CSRS is 80 percent of your high-3 average salary, plus credit for your sick leave. This limit generally affects only those who have more than 41 years 11 months of service when they retire.
Your CSRS pension could affect your Social Security benefit amount if you: Had less than 30 years of substantial earnings under Social Security. Are eligible for benefits as a spouse or surviving spouse and are affected by the Government Pension Offset (GPO).
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Retirement income for federal employees, with an average monthly annuity of $5,447 for those under the CSRS and $2,126 under the FERS in fiscal year 2022, is multifaceted and influenced by a variety of factors. These include length of service, pay grade, and the specific retirement system an employee is part of.
Use Standard Form (SF) 2801, Application for Immediate Retirement, to apply for an immediate annuity. You can obtain the form from your employing agency or from the Office of Personnel Management (OPM) website. Submitting the Application. Submit the completed application to your employing agency.
CSRS is a pension plan for federal employees that was created in 1920. It provides a generous lifetime annuity to civil servants after retirement, based on their age, average salary, and years of service.

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