Items 1 to 6: you and your service
Name, date of birth, Social Security Number, other names, address and contact details, and all civilian and military service with whether retirement deductions were withheld.
SF3106
Application for Refund of Retirement Deductions - FERS
- Agency
- GSA
- Revision
- Revised September 2013
- Fillable fields
- 118
- Pages
- 9
- Official source
- GSA form page
- Checked
- October 20, 2026
Standard Form 3106 (SF 3106): Application for Refund of Retirement Deductions (FERS)
Standard Form 3106 (SF 3106), Application for Refund of Retirement Deductions, Federal Employees Retirement System, is a U.S. Office of Personnel Management (OPM) form, Revised September 2013, OMB Number 3206-0170. GSA hosts a copy in its forms library.
The form says a former employee applies for a refund personally and payment is made directly to him or her, except direct rollovers. The PDF holds the two-page application, two certifications for a financial institution or eligible employer plan, SF 3106A for notifying a current or former spouse, the instructions and a Special Tax Notice Regarding Rollovers.
The instructions say a refund cannot be paid prior to 31 days after separation, and explain how a refund affects retirement rights for the service it covers depending on FERS employment on or after October 28, 2009. OPM estimates an average of 30 minutes per response. You can fill it out free in your browser on this page and download the result without an account.
What's on SF 3106
Items 7 to 12: reemployment and marriage
Any further Federal or D.C. government employment within 31 days of your last period of service, the new appointment, your current spouse, and any former spouses with marriage and divorce dates.
Item 13: how the refund is paid
Choices for the interest portion and the contribution portion: paid to you, paid to an IRA or eligible employer plan, or the interest to a Thrift Savings Plan account, plus payment instructions.
Item 14: certification
The applicant certifies the statements and the tax withholding election and signs. A block for agency use only records the date the agency received the form.
Financial institution certifications
Two blocks for a financial institution or employer plan that agrees to accept funds as a direct trustee-to-trustee transfer from OPM.
SF 3106A: spouse notification
Part 1 for the applicant, Part 2 for the current or former spouse, Part 3 for two witnesses, and information about sending a court order to OPM.
How to complete SF 3106
- 1
Read the instructions and tax notice
The form says to read all of the information provided, including the Special Tax Notice Regarding Rollovers, before deciding, since an error could delay payment.
- 2
Complete both sides in ink
Type or print in ink and complete both sides in full. The form says payment cannot be authorized if the address in item 5 is erased or otherwise changed.
- 3
List all Federal service
In item 6, list every civilian and military period, mark the position civilian [c] or military [m], and attach a continuation sheet with your name and Social Security Number if needed.
- 4
Notify current and former spouses
Give SF 3106A to each spouse to be notified. They sign Part 2 before two witnesses and return it, and the signed forms are attached to the application.
- 5
Make the payment election
In item 13 make one choice in each section. The form says asking for a rollover package before deciding delays payment at least an additional 30 days.
- 6
Sign item 14
Sign and date the applicant certification, which covers reemployment within 31 days and how a refund affects credit for the service it covers.
Why fill Form SF3106 on indox
You get the real form, filled in a browser tab, with nothing standing between you and the finished PDF.
- Fill the form right in your browser, no software to install
- Free to fill and free to download, with no account
- The official blank straight from the GSA, not a copy someone retyped
- Works on a phone, tablet or computer
Where it goes and what the form says
Separated 30 days or less
The form says the application should be forwarded to the office in which you were last employed.
Separated more than 30 days
The form says to forward it to the Office of Personnel Management, Federal Employees Retirement System, P.O. Box 45, Boyers, PA 16017-0045.
Amounts printed on the form
The form says OPM cannot roll over a refund of less than $200, and that a rollover of less than 100% to any one organization must be at least $500.
Court orders
A spouse or former spouse with a court order sends a copy and cover letter to Office of Personnel Management, Federal Employees Retirement System, Attn: Refund, P.O. Box 45, Boyers, PA 16017-0045. The form says it is honored only if received before the refund is paid.
Thrift Savings Plan
The form says it is not the form for withdrawing a Thrift Savings Plan account balance. To roll the interest portion into a TSP account, form TSP-60 is submitted with SF 3106.
Related forms
SF2802
Application for Refund of Retirement Deductions - CSRS
131 fields, 8 pages
SF3108
Application to Make Service Credit Payment - FERS
235 fields, 6 pages
SF3107
Application for Immediate Retirement FERS
470 fields, 14 pages
SF3102
Designation of Beneficiary - Civil Service and Federal Employees Retirement Systems
34 fields, 3 pages
Who fills out SF 3106?
The application and its attachments name who completes each part.
Official sources and the blank
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Questions about Form SF3106
Who issues SF 3106?
It is printed as a U.S. Office of Personnel Management form, Revised September 2013, OMB Number 3206-0170. GSA hosts a copy in its forms library.
When can a refund be paid?
The instructions say a refund cannot be paid prior to 31 days after separation from a position subject to FERS or CSRS, or within 31 days before the earliest commencing date of any annuity for which you are eligible.
Does a refund affect retirement credit?
The form says it depends on whether you were employed under FERS on or after October 28, 2009. In one case the refund can be repaid for credit in the annuity computation; in the other, retirement rights for the service it covers are permanently forfeited.
Does a spouse have to be told?
The form says a refund applicant notifies any current spouse, and any living former spouse if the applicant has at least 18 months of creditable civilian service and was married to that person for at least 9 months, using SF 3106A.
What if a spouse cannot be found?
The form says OPM may waive the notice with a court or agency determination that the person is missing, or notarized statements from the applicant and two other persons, one unrelated, detailing efforts to locate the person.
Is the refund taxable?
The form says the actual retirement contributions are not taxable but any interest is, and that 20% of interest paid to you is withheld for Federal income tax. It refers tax questions to a qualified tax advisor or the IRS.
Can SF 3106 be used to withdraw a TSP balance?
No. The form says to ask your agency for information about withdrawing a Thrift Savings Plan account balance, and that this is not the form you would use.