The Office of Personnel Management (OPM) is continuing its push to have all agencies submit “healthy retirement packages” for processing in the Limestone cave. By “healthy”, OPM means complete. The reason behind this push is to reduce the amount of corrections that have to be done once a retirement package has been submitted. A package that needs fewer corrections can be processed more quickly. This would seem to make a complete retirement package a priority for agencies and, even more so, for retiring employees who want to spend the least amount of time collecting interim pay instead of their full annuities.
OPM recently listed the most common errors they find in retirement packages. The bulk of the errors are viewed as items that fall under the responsibility of the agency HR/Retirement staffs or the payroll office, but there are some areas where a little help from the retiring employee could speed things along. Following are some of the most common errors where some diligence by the retiring employee could help.
The most common error is failure to document five years of coverage under FEHB. For the few readers who are unaware of it, a retiree must have been enrolled in the Federal Employee Health Benefits Program for the five years immediately preceding retirement. Here are some ways an employee can help.
- If you are covered as a family member on your federally employed spouse’s FEHB, make sure your agency has a copy of form 2809 documenting your coverage.
- If you are using Tricare or CHAMPVA for part of the five year requirement (as an enrollee or family member), you will want to ensure that your agency has a copy of:
- Your uniformed services ID car (for Tricare);
- Your CHAMPVA A card (for CHAMPVA).
Next on the list is failure to answer the question regarding former spouses (found in section E of CSRS applications and section C of FERS applications). All applicants for retirement need to answer this question, even those who were never married or who were married only once.
Spousal consent errors are next in line. For readers who are not aware of it, you must have your spouse’s signed, notarized consent for any survivor benefit election other than a full survivor benefit. Errors in this area are:
- Not signed by the spouse
- Signature not notarized
- Notary commission expired
- Not notarized on the same day the spouse signed
- “Unacceptable corrections” (e.g., corrections not initialed, etc.)
If your retirement package is complete there will be less processing delays as OPM will not need to contact your agency for additional information. As an added benefit, in order to make the average retirement processing statistics look good, OPM may choose to expedite applications that can be easily completed.
John Grobe’s latest book, The Answer Book on Your Federal Employee Benefits, has just been released by LRP Publications. The book is written in an easy to understand question and answer format and covers all areas of federal benefits from the perspective of an employee at various stages of their career. Order your copy at shoplrp.com.