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If you did not elect a survivor annuity for that person at retirement, your annuity will not be reduced.
If you retired before May 7, 1985, we will honor the terms of a qualifying court order that requires you to provide a survivor annuity for an eligible former spouse in connection with a marriage that was dissolved on or after May 7, 1985, but only if you were married to that person at retirement and elected to provide a survivor annuity at that time or your were married to that person at retirement and elected to provide a survivor annuity before May 7, 1985.
We will contact annuitants who retired before age 65 shortly before their 65th birthday.
At that time, the annuitant may elect either Full Reduction or No Reduction for each separate multiple of Option B.
For example, a person with five multiples may elect No Reduction on two multiples, while the three remaining multiples reduce fully.
If you elect Full Reduction, effective the first day of the second month after your 65th birthday or your retirement date, whichever is later, your Option B full-reduction multiples will reduce by 2 percent of the face value per month for 50 months, at which time this coverage will end.
Some retirees receive less than our goal due to a variety of factors.
Those who are 65 or older at retirement will hear from us shortly after retirement.
OPM is currently working with agencies to improve timeliness and quality of personnel/payroll information submissions.