SF 3107, Application for Immediate Retirement FERS

What is SF 3107?

Who needs to file SF 3107?

When to file SF 3107

Documents you need

• A copy of your marriage certificate, if you are married now (Section C, Item 1).
• A certified copy of the court order(s) and any amendments, if you have a living former spouse to whom a court order gives a survivor annuity or part of your retirement benefits (Section C, Item 2).
• SF 3107-2, Spouse's Consent to Survivor Election, if you are married and do not initial box 1 of Section D; the spouse's part must be completed before a notary or other person authorized to administer oaths.
• Copies of the divorce decrees for every former spouse for whom you elect a survivor annuity in Section D, box 5.
• Schedule A with a copy of your discharge certificate or other certificate of active military service, if you answer yes to Section B, Item 4 (the certificate if available).
• Schedule B, if you answer yes to Section B, Item 5, with the notice of award (Items b or c) or your waiver request and the military finance office's acknowledgment (Item d), as applicable.
• For military retired pay awarded for disability, a copy of your military retirement order and, if applicable, your military service's determination of service connection.
• Schedule C, if you have applied for, are receiving, or have ever received OWCP workers' compensation (Section F, Item 1).
• SF 2818, Continuation of Life Insurance Coverage As an Annuitant or Compensationer, if you answer yes to Section E, Item 2.
• 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).
• A copy of your W-4, if you want Federal income tax withheld at the rate now withheld from your salary; a new W-4 if you choose a different rate (Section H, Items 3a and 3b).
• The certified SF 3107-1, Certified Summary of Federal Service, completed and certified by your employing office; it must accompany the application.
• Optionally, a cancelled personal check showing your financial institution information, instead of filling in Section H, Items 2a to 2e.

How to fill out SF 3107

1. 1

   Gather SF 3113 and prepare to print clearly

   Read the pamphlet SF 3113 before choosing survivor options. Type or print clearly; if a section needs more space, use a plain sheet with your name, date of birth and Social Security number at the top, write "unknown" for unknown answers, and add a question mark to estimates.

2. 2

   Complete Section A, identifying information

   Enter your name (Item 1), other names used (Item 2), correspondence address (Item 3), daytime phone after retirement, best time to call, email and fax (Items 4a-4d), date of birth in mm/dd/yyyy (Item 5) and Social Security Number (Item 6). Answer the citizenship question (Item 7) and whether this is a disability retirement application (Item 8).

3. 3

   Complete Section B, federal service

   Enter the agency you are retiring from (Item 1), your date of final separation (Item 2), position title (Item 3) and pay plan and occupational series (Item 3a). Answer Item 4 on active honorable military service and Item 5 on military retired pay; a yes requires Schedule A or B.

4. 4

   Answer Section C, marital information

   Answer Item 1 on whether you are married now; if yes, complete Items 1a-1f (spouse's name, date of birth, Social Security Number, place and date of marriage, who performed it). Answer Item 2 on a living former spouse with a court-ordered survivor annuity or share of benefits.

5. 5

   Make your Section D annuity election

   Initial the box for the one annuity type you want: box 1 (maximum survivor annuity), 2 (partial survivor annuity), 3 (lifetime only), 4 (insurable-interest survivor, naming the person) or 5 (former spouse survivor annuity, with dates and percentage). Boxes 2, 3 and 4 for a married applicant, and box 5 with a spouse, call for SF 3107-2.

6. 6

   Complete Section E, insurance information

   Answer Item 1a on continuing FEHB coverage and Item 1b on any court or administrative order requiring health coverage for your children. Answer Item 2 on FEGLI, Item 3 on FEDVIP and Item 4 on the Federal Long Term Care Insurance Program.

7. 7

   Answer Section F, other claim information

   Item 1: check yes if you have ever applied for or received OWCP workers' compensation, and complete Schedule C. Item 2: if you previously filed a CSRS or FERS application, check yes and give the type (Items 2a) and claim number(s) (Item 2b).

8. 8

   List dependent children in Section G

   This section is optional. Enter the name and date of birth of each unmarried dependent child under 22, and check the Disabled box for any child over 22 who cannot support themselves because of a disability incurred before age 18.

9. 9

   Complete Section H, payment instructions

   Choose direct deposit, Direct Express or the outside-the-United States option. For direct deposit, enter the routing number (Item 2a), account number (2b), account type (2c), bank phone (2d) and bank name and address (2e), or attach a cancelled check. Answer Items 3a and 3b on Federal income tax withholding.

10. 10

    Complete Schedules A, B and C if they apply

    Schedule A lists branch, dates of active duty, serial number and last grade, and whether you paid the deposit. Schedule B covers military retired or retainer pay and waiver. Schedule C gives OWCP claim numbers, dates and benefit types, and your answers on notification and overpayment collection.

11. 11

    Review the checklist, sign and download the PDF

    Use the Applicant's Checklist to confirm every attachment, then sign (do not print) and date Section I in mm/dd/yyyy, and sign any schedules you completed. 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

Common mistakes to avoid

• Printing your name in the signature box of Section I; the form says to sign, not print, and to date it after reviewing the warning.
• Entering your bank's address in Section A, Item 3; that item is for correspondence, and payment details belong in Section H.
• Applying for an immediate annuity while still serving in another appointive or elective federal position; you must separate from all such positions first.
• Planning to pay a military service deposit to OPM after retiring; the deposit for service after 1956 must be paid to your employing agency while you are still employed.
• Answering yes to Section B, Item 4, 5 or Section F, Item 1 without attaching Schedule A, B or C.
• Being married, not initialing Section D box 1, and omitting SF 3107-2 with your spouse's notarized consent.
• Combining Section D box 5 (former spouse survivor annuity) with box 1 (maximum survivor annuity for your spouse); the form says you cannot choose both.
• Electing survivor annuities for a current and former spouse that total more than 50 percent of the unreduced annuity; former-spouse totals must equal either 25% or 50%.
• Leaving Section H blank; the instructions say to complete it in all cases.
• Using this form to apply for a deferred annuity, which begins more than 30 days after final separation and uses RI 92-19.