Fill Out Standard Form 3107 (SF-3107) Online
Application for Immediate Retirement (FERS)
U.S. Office of Personnel Management
Applies for immediate retirement benefits under the Federal Employees Retirement System.
Reviewed July 2026
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Standard Form 3107 (SF-3107), the Application for Immediate Retirement, is the form federal employees covered by the Federal Employees Retirement System (FERS) use to apply for an annuity that begins within 30 days of separating from service. It collects service history, survivor election choices, and payment instructions.
You can fill out the SF-3107 in the Universal PDF editor, review each schedule before signing, and download the completed PDF to submit through your agency's human resources office.
What is SF-3107 used for
The SF-3107 starts the FERS retirement process for employees who meet the age and service requirements for an immediate annuity. It is the application OPM uses to calculate and set up your annuity payments, including any survivor benefit for a spouse.
The application package includes companion documents: a certified summary of federal service prepared by your agency, and a spousal consent form used when a married applicant elects less than the maximum survivor annuity.
Who files SF-3107
The form is for FERS-covered employees applying for immediate retirement, generally in categories like these:
- Employees who have reached their minimum retirement age with the required years of service.
- Employees retiring at age 60 or 62 with the shorter service requirements that apply at those ages.
- Employees taking MRA+10 retirement, accepting a reduced annuity in exchange for retiring with at least 10 years of service.
- Certain special categories, such as law enforcement officers and firefighters, with their own age and service rules.
How to fill out SF-3107
Section A covers identifying information and your planned retirement date. Later sections cover federal service history, military service deposits, survivor annuity elections, life insurance continuation, and direct deposit details for annuity payments.
The survivor election is the decision to review most carefully: married applicants who elect less than the full survivor annuity need their spouse's notarized consent on the companion consent form. Because retirement elections can be difficult to change after the fact, many employees review the package with their HR retirement counselor or a financial professional before signing.
Deadlines and processing
There is no fixed federal deadline to apply, but the annuity commencing date depends on your separation date, and agencies encourage submitting the package well before your planned retirement, commonly a month or two ahead, so certifications and payroll closeout can be completed without delaying your first payment.
If you are still employed or only recently separated, the application goes through your agency HR office, which adds the certified summary of service and forwards everything to OPM. OPM then finalizes the annuity and may pay interim amounts while the claim is processed.
Frequently asked questions
It means an annuity that begins within 30 days of your separation from federal service, as opposed to a deferred or postponed annuity that starts later.
Current employees submit it through their agency human resources office, which certifies the service record and forwards the package to OPM. Only individuals separated for more than 30 days send it directly to OPM.
If you are married and elect less than the maximum survivor annuity, your spouse must consent on the companion spousal consent form, signed before a notary.
No. Employees under the older Civil Service Retirement System use a different application. The SF-3107 is specific to FERS.
Agencies commonly suggest submitting the package a month or two before your retirement date so certifications can be completed and your annuity can start without unnecessary delay.
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