SF 3107 is the Standard Form that a Federal employee covered by the Federal Employees Retirement System (FERS) completes to apply for retirement with an immediate annuity, one that begins within 30 days of separation from Federal service. It is issued by the Office of Personnel Management (OPM) and is handed to your employing agency's personnel office, not mailed to OPM by you. On this page you can fill out the form online on FillingPDF and download or print the completed PDF; the official PDF is published by OPM.
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What is SF 3107?
SF 3107, Application for Immediate Retirement (Federal Employees Retirement System) is the OPM form on which a Federal employee covered by FERS applies for an annuity that begins within 30 days of final separation from Federal service.
The form collects identifying information, Federal and military service, marital information, the survivor annuity election, insurance information, other claim information, optional information about unmarried dependent children, and payment instructions, and it ends with the applicant's certification. The instructions say your agency forwards it to its payroll office and then to OPM for processing.
The form is a package. Beyond the application itself it contains:
- Schedules A, B and C, for military service, military retired pay and Federal Employees' Compensation (workers' compensation) information.
- SF 3107-1, Certified Summary of Federal Service, completed and certified by your employing office.
- SF 3107-2, Spouse's Consent to Survivor Election.
- Schedule D, the Agency Checklist of Immediate Retirement Procedures, completed by agency personnel and payroll offices.
SF 3107 is not for a deferred annuity, which begins more than 30 days after final separation. For that, OPM directs you to RI 92-19, FERS Application for Deferred or Postponed Retirement. The form also does not cover benefits from the Thrift Savings Plan or the Social Security Administration, which you must apply for separately. OPM's pamphlet SF 3113, Applying for Immediate Retirement Under the Federal Employees Retirement System, explains the choices on the form.
Who needs to file SF 3107?
Federal employees covered by FERS who want to retire with an immediate annuity, one that starts within 30 days of final separation, use SF 3107. Disability retirement applicants also begin with this form: Section A, item 8 asks whether the application is for disability retirement and tells you to ask your employing office about the other documents you must submit.
Do not use SF 3107 if you want a deferred annuity (one that begins more than 30 days after final separation). Request RI 92-19 from OPM instead.
Conditions that affect your package:
- If you hold more than one appointive or elective position in the Federal Government, you must separate from all of them before you qualify for an immediate retirement.
- If you are married, your spouse's consent on SF 3107-2 is needed for any survivor election other than the maximum survivor annuity, and for an insurable-interest or former-spouse election.
- If you have a living former spouse with a court-ordered survivor annuity or share of your benefits, you must answer Section C, item 2 and attach the court order.
Your employing office completes and certifies SF 3107-1 and the Schedule D checklists for you; you do not fill those parts yourself.
When to file SF 3107
Submit SF 3107 when you decide to retire and your annuity is to begin within 30 days of your separation from Federal service. The form sets no calendar deadline, but OPM tells you to give your agency advance notice so it can confirm your records are complete and carry out its processing responsibilities.
Your date of final separation goes in Section B, item 2. Leave it blank only if you are applying for disability retirement and have not separated.
Timing rules tied to the package:
- Any military service deposit must be paid to your agency while you are still employed; you cannot pay OPM after you retire.
- After the application has been forwarded to OPM, call OPM if your address changes, citing your claim number if you have received one.
- Survivor elections made at retirement end on certain events, and a new election generally must be made within 2 years of the terminating event, as the form explains in Section D.
Documents you need
- Schedule A, if you answered Yes to Section B, item 4 (active honorable service in the Armed Forces or other uniformed services), with a copy of your discharge certificate or other certificate of active military service.
- Schedule B, if you answered Yes to Section B, item 5 (military retired pay received or applied for), with a copy of the notice of award for items b or c answered Yes.
- If you are waiving military retired pay (Schedule B, item d): a copy of your waiver request and the military finance office's acknowledgment or approval, if available.
- A copy of your retirement order from your military service, if you have military retired pay; if applicable, also its determination that the disability was service connected and incurred in combat or caused by an instrumentality of war.
- A copy of your marriage certificate, if you are currently married (Section C, item 1).
- A certified copy of the court order and any attachments or amendments, if you have a living former spouse with a court-ordered survivor annuity or share of benefits (Section C, item 2).
- SF 3107-2, Spouse's Consent to Survivor Election, if you are married and did not initial box 1 of Section D; its Part 2 must be completed before a Notary Public or other person authorized to administer oaths.
- Copies of divorce decrees for every former spouse you elect to provide a survivor annuity under Section D, box 5.
- A copy of the court or administrative order, if one requires you to provide health benefits coverage for your child(ren) (Section E, item 1b).
- SF 2818, Continuation of Life Insurance Coverage As an Annuitant or Compensationer, if you answered Yes to Section E, item 2.
- Schedule C, if you applied for, are receiving or ever received workers' compensation from the Department of Labor (Section F, item 1).
- A copy of your W-4 form on file with your agency if you want Federal income tax withheld at your current rate; a new W-4 if you want a different rate (Section H, items 3a and 3b).
- A cancelled personal check showing your bank details, optionally, instead of filling in the financial institution information in Section H, item 2.
- SF 3107-1, Certified Summary of Federal Service: your employing office completes and certifies it, and a certified copy must accompany the application.
How to fill out SF 3107
Enter your identifying information
In Section A, enter your name (last, first, middle), other names used in Federal employment (item 2), mailing address (item 3), phone with best time to call (4a, 4b), email (4c), fax (4d), date of birth in mm/dd/yyyy (5) and Social Security Number (6). Type or print clearly.
Answer citizenship and disability questions
Check Yes or No for U.S. citizenship (item 7) and for whether this is a disability retirement application (item 8). If you are applying for disability retirement, ask your employing office which other documents to submit.
Describe your Federal service
In Section B, give the agency you are retiring from (item 1), your date of final separation in mm/dd/yyyy (item 2), position title (item 3) and pay plan and occupational series (3a). Leave item 2 blank only if applying for disability retirement and not separated.
Report military service and retired pay
Answer Section B, item 4 and complete Schedule A if you had active honorable service; answer item 5 and complete Schedule B if you receive or applied for military retired pay. Attach the documents the schedules call for.
Complete the marital information
In Section C, item 1, say whether you are married; if Yes, complete items 1a through 1f and attach your marriage certificate. In item 2, say whether a living former spouse has a court-ordered survivor annuity or share of benefits, and attach a certified copy of the order if Yes.
Make your annuity election
In Section D, initial one box (1 to 5) for the annuity you want, and fill in the name, relationship, date of birth and SSN for box 4 or the former-spouse details and percentages for box 5. Read SF 3113 first, because no change is permitted after your annuity is granted except as the pamphlet explains.
Complete the insurance information
In Section E, answer items 1a and 1b (health benefits eligibility and any child health coverage order), 2 (life insurance), 3 (FEDVIP) and 4 (FLTCIP). Attach the order for 1b and SF 2818 for a Yes in item 2.
Add other claim information
In Section F, item 1, answer Yes and complete Schedule C if you have applied for or received workers' compensation from the Department of Labor. In item 2, say whether you filed a prior CSRS or FERS application and, if so, give the type (2a) and claim number(s) (2b).
List dependent children, if you choose
Section G is optional. List the name and date of birth of each unmarried dependent child under age 22, and check the Disabled box for any child over 22 incapable of self-support because of a disability incurred before age 18.
Give payment instructions
Section H must be completed in all cases. Select direct deposit, Direct Express debit card, or the outside-the-U.S. option; for deposit, enter the routing number (2a), account number (2b), account type (2c), bank phone (2d) and bank name and address (2e). Then answer the tax withholding questions in 3a and 3b.
Sign, date and run the checklist
In Section I, sign (do not print) and date in mm/dd/yyyy after reading the warning, and sign each schedule you completed. Use the Applicant's Checklist to confirm every needed attachment is included.
Review and download the completed PDF
Check that every section applies correctly and that all attachments are ready. Download or print the completed PDF from FillingPDF and give it to your employing agency's personnel office as described under How to submit.
How to submit SF 3107
You submit SF 3107 through your employing agency, not directly to OPM.
- Personnel office of your employing agency. Give the completed application, with every attachment that applies, to your agency's personnel office. It forwards the application to your agency payroll office and then to OPM for processing. Ask your employing office if you have questions.
- OPM contact for questions and address changes. Call 1-888-767-6738 (TTY: 1-855-887-4957), write to Office of Personnel Management, Federal Employees Retirement System, P.O. Box 45, Boyers, PA 16017-0045, or email [email protected]. If your address changes after the application has been forwarded, use these contacts. Give your claim number, or your name, date of birth and Social Security number if you have none yet.
Before handing it in, use the Applicant's Checklist printed on the form to confirm that every needed schedule, certificate, order and tax form is attached. Apply separately to the Thrift Savings Plan and the Social Security Administration for any benefits they pay.
FillingPDF lets you fill out and download the PDF; submission follows the agency channels above.
Common mistakes to avoid
- Using SF 3107 to apply for a deferred annuity; the form is for an annuity beginning within 30 days of separation, and a deferred annuity needs RI 92-19.
- Entering your bank's address in Section A, item 3; that line is for your mailing address, and payment details belong in Section H.
- Printing your name in the signature box of Section I or the schedules; the form says to sign, not print, and to date it after reading the warning.
- Leaving out SF 3107-2 when you are married and did not initial box 1 of Section D, or having your spouse sign Part 2 without a notary or other authorized person.
- Initialing a former-spouse survivor annuity in box 5 without attaching copies of the divorce decrees, or choosing box 5 together with the maximum spouse survivor annuity in box 1.
- Leaving a Schedule C answer incomplete when you have workers' compensation; item 3 must be completed, and without your authorization OPM will not pay your annuity until it confirms OWCP is not paying you.
- Planning to pay a military service deposit to OPM after you retire; it must be paid to your employing agency while you are still employed.
- Leaving a question blank when you do not know the answer; the form says to write "unknown", or give your best answer followed by a question mark (?).
- Separating from only one of several appointive or elective Federal positions; you must separate from all of them to qualify for an immediate retirement.
Frequently asked questions
What is SF 3107 used for?
SF 3107 is the OPM application for a FERS immediate annuity. A Federal employee covered by the Federal Employees Retirement System uses it to apply for an annuity that begins within 30 days of separation from Federal service, and it also records survivor, insurance and payment choices.
Who should not use the SF 3107 form?
Do not use it for a deferred annuity, which begins more than 30 days after final separation. OPM directs those applicants to RI 92-19, FERS Application for Deferred or Postponed Retirement, available by calling 1-888-767-6738 or emailing [email protected].
Where do I send SF 3107 once it is completed?
Give it to the personnel office of your employing agency. That office forwards it to the agency payroll office and then to OPM for processing. OPM's Boyers, PA address and phone number on the form are for questions and address changes, not for delivering the application.
Can I fill out SF 3107 online?
You can fill out the PDF online on FillingPDF and download or print it. FillingPDF is an independent service, not affiliated with OPM, and does not submit the form; you hand it to your employing agency's personnel office.
What attachments does SF 3107 require?
It depends on your answers. Examples are Schedule A for military service, Schedule B for military retired pay, Schedule C for workers' compensation, a marriage certificate if married, court orders, SF 3107-2 for certain survivor elections and a W-4 for tax withholding. The Applicant's Checklist on the form lists them.
Does my spouse have to sign anything?
If you are married and did not initial box 1 of Section D (maximum survivor annuity), you must attach SF 3107-2, Spouse's Consent to Survivor Election. Your spouse completes Part 2 in front of a Notary Public or other person authorized to administer oaths, and the consent is final.
Do I apply for Thrift Savings Plan and Social Security benefits on SF 3107?
No. The form states that you must apply separately for any benefits payable from the Thrift Savings Plan and the Social Security Administration. SF 3107 covers only your FERS immediate annuity.
Can I change my survivor annuity election after retirement?
Generally not. The form says no change is permitted after your annuity is granted except as explained in pamphlet SF 3113. Survivor elections can also end on death or divorce, and you must then make a new election within 2 years if you want to reelect a survivor annuity.
What happens if I give false information on the form?
The warning in Section I says an intentionally false statement or willful misrepresentation is a violation of the law punishable by a fine, imprisonment or both (18 U.S.C. 1001). If you are unsure of an answer, write your best answer followed by a question mark (?) or write "unknown".
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