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Election of Coverage
Federal Employees
Retirement System
Federal Employees Retirement System
Section 1. Instructions for Employee:
For Agency Use Only
.
.
Complete Sections 2 and 3.
Return according to your employing office's instructions.
Section 2. Identifying Information (type or print)
Name (Last, first, middle) Date of birth (mo, dy, yr) Social Security Number
Employing Department or Agency Agency location (City, state, ZIP Code)
Section 3. Verification of Receipt of Election Form
(Employee's signature in this section verifies receipt of this form. It does
not constitute an election.)
Employee's signature Date Office telephone number
After signing, return Part 1 according to employing office instructions. Do not write below this line.
Instructions to Employing Office
Give a copy of SF 3109 to each employee who is being reemployed after a break in service of more than three days
and
(1) who is covered by the Civil Service Retirement System (CSRS) (either regular or offset coverage), OR
(2)
whose appointment is excluded from CSRS coverage but not from Federal Employees Retirement System
(FERS) coverage and who is not automatically covered by FERS (for example, term, TAPER, and certain
indefinite appointments).
Also give this form to employees who are converted from appointments excluded from FERS coverage (such as
temporary appointments not to exceed one year) to appointments that are not excluded and who do not automa-
tically have FERS coverage.
When the signed Part 2 of SF 3109 is received, it must be filed on the right side of the employee's OPF.
If the signed Part 2 of SF 3109 is not received by six months after employee becomes eligible to elect FERS coverage,
Part 1 must be filed on the right side of the employee's OPF.
Office of Personnel Management
3109-101
Standard Form 3109
5 CFR 846
Part 1 - Personnel Office
July 1989
NSN 7540-01-280-5503
(formerly OPM Form 1555)
Text
Text
Election of Coverage
Federal Employees
Retirement System
Federal Employees Retirement System
Section 1. Instructions for Employee
.
Complete this form only if you wish to elect FERS coverage.
If you wish your current coverage to continue, take no action.
.
.
.
.
Read information on back of Part 3.
Make your election in Section 4.
Complete Section 5.
Be sure to sign and date in Section 6.
.
Return Parts 2 and 3 according to your employing office's
instructions.
.
Be sure to read your FERS Transfer Handbook.
.
If you elect FERS, any CSRS designation of beneficiary (SF
2808) is cancelled. If you want to make a new designation
of beneficiary, use SF 3102.
Section 2. Identifying Information (type or print)
Name (Last, first, middle) Date of birth (mo, dy, yr) Social Security Number
Employing Department or Agency Agency location (City, state, ZIP Code)
Section 3. Verification of Receipt of Election Form
(Employee's signature in this section verifies receipt of this form. It does
not constitute an election.)
Employee's signature Date Office telephone number
Section 4. Election Place your initials in the box to indicate that you want FERS coverage.
I elect FERS coverage. I understand that I will be covered by (1) the Basic Benefits of FERS, (2) the Old Age, Survivors, and
Disability Insurance programs of Social Security and (3) the Thrift Savings Plan. I authorize withholdings from my pay for
FERS and Social Security purposes. I understand that this decision is irrevocable.
Section 5. Former Spouse Information
Do you have a living former spouse to whom a court order, on file at OPM, awards a portion of your annuity or, if the former spouse has
not remarried before age 55, survivor benefits based on your Federal service?
Yes Attach OPM Form 1556, Former Spouse's Consent to FERS Election, your request for waiver of consent
requirement, or your request for extension of election deadline in order to modify court order.
No
I don't know if a court order is on file at OPM. I request OPM to determine whether a qualified court order is on file.
Section 6. Employee's Certification
I hereby certify that all statements made on this election are true to the best of my knowledge.
Signature Date
Warning: Any intentional false statement in this election or willful misrepresentation relative thereto is a violation of the law punishable by
a fine of not more than $10,000 or imprisonment of not more than 5 years or both. (18 USC 1001)
Date of receipt by agency
For Agency Use Only
Office of Personnel Management
3109-101 Standard Form 3109
5 CFR 846
July 1989
NSN 7540-01-280-5503
(formerly OPM Form 1555)
Part 2 - Official Personnel Folder
PRINT
SAVE
CLEAR
Information for Employees
What is FERS?
FERS is the retirement system for Federal employees
established by the Federal Employees’ Retirement System
(FERS) Act of 1986. FERS has three parts: the basic benefit,
social security, and the savings plan.
The FERS Transfer Handbook (available through your
employing office) is the best source of information about
FERS.
Before making an election, you should read this handbook.
Consider your decision carefully--an election of FERS
coverage is irrevocable. Complete SF 3109 only if you wish to
elect FERS coverage. If you wish your current coverage to
continue, take no action.
Who may elect FERS coverage
Generally, employees covered by the Civil Service Retirement
System (CSRS) may elect to transfer to FERS within 6 months
after they are reemployed following a break in service of more
than 3 days or after they are converted from an excluded
appointment. However, some individuals now covered by
CSRS are ineligible for FERS coverage (for example, D.C.
Government employees).
Certain employees who are excluded from CSRS because of
their type of appointment (such as term appointments) are not
excluded from FERS and may elect FERS coverage if they do
not have automatic coverage.
When may FERS election be made
Employees hired (or converted from an excluded appointment
to one that is not excluded) on or after July 1, 1987, may elect
FERS coverage within 6 months after they were hired (or
converted) if they do not have automatic coverage.
Condition for making an election
Your spouse’s consent is not needed to elect FERS coverage.
However, if a qualifying court order is on file at the Office of
Personnel Management and it grants either a CSRS survivor
benefit to a former spouse who has not remarried before
reaching age 55 or a portion of your future CSRS annuity to a
former spouse, you cannot elect FERS unless that former
spouse consents to the election. OPM can grant you an
extension of time to make your election if you need extra time to
obtain a modification of the court order. You may also request a
waiver of the consent requirement if you can’t locate your
former spouse. If you need to request an extension of time or a
waiver of the consent requirement, ask your employing office
how your request should be submitted.
It is important that you answer Section 5 accurately. If you are
unsure, mark the "I don’t know..." box. If you answer "No" and
OPM later finds that a court order was on file with OPM on the
date of your election and your former spouse does not consent
to your election, your election of FERS coverage will be void.
When FERS coverage begins
Your election of FERS coverage is effective on the first day of
the pay period after it is received at the location your employing
office has designated to receive it, unless there is a court order
on file at OPM as described earlier and your former spouse
does not consent to your election or you ask OPM to determine
whether or not it has such a court order on file.
If you ask for a waiver of the consent requirement and OPM
grants it, your election will be effective with the first pay period
after OPM notifies your employing office that it has granted your
request. If you ask for OPM to determine if there is a court order
on file and OPM finds that there is no court order on file, your
election will be effective with the first pay period after OPM
notifies your employing office that it has no such court order.
Deductions
For most employees, deductions for FERS coverage for 1988
and 1989 are .94 percent of pay for FERS basic benefits and
6.06 percent of pay for the Old Age, Survivors, and Disability
programs of social security. In 1990 these rates change to .8
percent and 6.2 percent, respectively.
The Thrift Savings Plan
The Thrift Savings Plan (TSP) is available to employees who are
covered by either FERS or CSRS. The booklet Thrift Savings
Plan (available through your employing office) is the best
source of information about TSP.
If you elect FERS coverage, the government contributes an
amount equal to 1 percent of your pay to your TSP account
each pay period. You have 30 days after the effective date of
your FERS election to:
(1) elect to contribute to the Thrift Savings Plan if you are not
now contributing, or
(2) change your contributions to the Thrift Savings Plan if you
are already participating.
This opportunity is separate from the Thrift Savings Plan
open seasons, which are held at least twice each year.
Privacy Act Statement
Solicitation of this information is authorized by the Federal
Employees' Retirement System Act (Public Law 99-335). The
information you furnish will be used to identify records properly
associated with your election, to obtain additional information if
necessary, to determine and allow present or future benefits,
and to maintain a unique identifiable claim file. The information
may be shared with national, state, local, or other charitable or
social security administrative agencies in order to determine
benefits under their programs, to obtain information necessary
under this program, or to report income for tax purposes. It may
also be shared with law enforcement agencies when they are
investigating a violation or potential violation of the civil or
criminal law. Executive Order 9397 (November 22, 1943)
authorizes use of the social security number. Furnishing the
social security number, as well as other data is voluntary, but
failure to do so may delay or make it impossible for us to
determine your eligibility to receive benefits.
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Completed 23 January 2020

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