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Guide to Life Events Affecting Federal Retirees

June 8, 2026 My Federal Retirement

There are many events in a federal retiree’s life that might affect their retirement and other benefits.  The Office of Personnel Management has provided guidance on several of these life events.

Marriage/Divorce – Understand your benefits options when your marriage begins or ends.

Death of an employee, annuitant or spouse – Notify OPM upon the death of your spouse.

Reemployment – Learn how reemployment may affect your benefits.

Third Party Payees – If you are unable to handle your finances OPM will require a guardian or Representative Payee be appointed. OPM does NOT recognize Power of Attorney.

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Designation of Beneficiaries – You can choose any person to receive any life insurance and/or lump sum benefit payable upon your death by completing a Designation of Beneficiary form.

Moving to a new address (PDF file) – Use this checklist to help you prepare for moving and then conduct any relevant transactions after your move. See the My Annuity & Benefits page for more information and an instructional video on changing your address.

Related:

  • Marriage During Federal Retirement
  • Income Tax and Estate Tax Consequences of Owning a Life Insurance Policy

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