*** New Website Look and Content changes coming March 28th ***

Skip navigation links
CHR Home
Training & Development
Executive Management
HR Offices
Programs & Services
Skip navigation links
Retirement Readiness NOW
Employee Deductions
Voluntary Contributions
Opportunities to Elect FERS Coverage
Crediting Civilian Service Not Subject to Retirement Deductions
Crediting Civilian Service for Which You Received a Refund of the Retirement Deductions
Crediting Active Military Service
Nonpay Status
Voluntary Retirement
Early Voluntary Retirement
Discontinued Service Retirement
Special Retirement for Law Enforcement Officers and Firefighters
Special Retirement for Air Traffic Controllers
Disability Retirement
Deferred Retirement
Separating Employees Who Are Not Eligible for Immediate Annuity
CSRS Survivor Benefits
Court Orders
Re-employed Annuitants
Non-appropriated Fund Service
Request an Annuity Computation
Phased Retirement


If you separate from Federal service or transfer to a position that is not covered by the retirement system, and do not receive a refund of retirement deductions, you will be eligible for a deferred retirement at age 62 if you:

  • Have completed 5 years of creditable civilian service.
  • Were employed under the retirement system for at least 1 year within the 2-year period immediately preceding the separation on which the deferred annuity is based.

You are not eligible to continue any health benefits or life insurance coverage you had while employed if you apply for a deferred retirement.


A deferred annuity is based on the length of service and high-3 average salary (highest average basic pay over any 3-year period) in effect when you separated from Federal service. In the years between the date of separation and age 62, the average salary is not adjusted by any intervening cost of living adjustments. Your accrued and unused sick leave at the time of your separation is not creditable for eligibility or computation purposes in a deferred retirement.


  1. Complete OPM 1496A, Application for Deferred Retirement.
  2. Mail the OPM 1496A to:
    Office of Personnel Management
    Retirement Operations Center
    P.O. Box 45
    Boyers, PA 16017-0045
Emergency Preparedness
Key Strategic Documents
Website Accessibility/Section 508
Privacy Notice Terms of Use Contact Us
614 Sicard Street SE, Suite 100, Washington, DC 20374-5072
This is an official U.S. Navy website
No FEAR Act Navy IG