SF 3107 - Survivor Election Reduction Percentages and Privacy Act Statement

Sep 3, 2026

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Form SF 3107 provides election options for reduced annuities tied to maximum or partial survivor benefits, including how the reduction percentage varies with the spouse’s age relative to the retiring employee. It specifies the resulting survivor annuity amounts for the spouse at the participant’s death. The document also includes a Privacy Act Statement explaining legal authority for collecting information, permitted uses of data, verification and sharing mechanisms, and consequences of failing to provide requested details.

LanguageEnglish

CategoryForms

FormatPDF

Pages14

Reading Time5 min

AccessFree to download

Address and Contact Information

Eligibility and Disability Retirement Questions

Privacy Act Statement

Survivor Election Options

Reduced annuity with maximum survivor annuity

Reduced annuity with partial survivor annuity

Annuity payable only during lifetime

Reduction Percentages by Age Difference

| Age of the Person Named in Relation to That of Retiring Employee | Reduction in Annuity of Retiring Employee | | --- | --- | | Older, same age, or less than 5 years younger | 10% | | 5 but less than 10 years younger | 15% | | 10 but less than 15 years younger | 20% | | 15 but less than 20 years younger | 25% | | 20 but less than 25 years younger | 30% | | 25 but less than 30 years younger | 35% | | 30 or more years younger | 40% | | Privacy Act Statement | | --- | | Solicitation of this information is authorized by the Federal Employees Retirement law,(Chapter 84, title 5, U.S. Code), the Federal Employees Group Life Insurance law (Chapter 87, title 5, U.S. Code) and the Federal Employees Health Benefits law (Chapter 89, title 5, U.S. Code) . The information you furnish will be used to identify records properly associated with your application for Federal benefits, 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 and is subject to verification via paper, electronic media, or through the use of computer matching programs with national, state, local or other charitable or social security administrative agencies in order to determine benefits under their programs, to obtain information necessary for determination or continuation of benefits under this program, or to report income for tax purposes. It may also be shared and verified, as noted above, with law enforcement agencies when they are investigating a violation or potential violation of civil or criminal law. Executive Order 9397 (November 22, 1943) authorizes use of the Social Security Number. The Government may use your number in collecting and reporting amounts that you owe the Government. Failure to furnish the requested information may delay or prevent action on your application. Information you provide about your unmarried dependent children may be used to expedite their claims after you die; however, your failure to supply such information will not affect any future rights they may have to benefits. | | 3. Address (number, street, city, state, ZIP code) | | | | | | | | | | | | | | | | | | | | | | | | | | 4a. Daytime telephone \# after retirement (including area code) | | 4b. Best time to reach you | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | | | | | | | | | | | | | | | | | | | | | | | 4c. Home email address | | 4d. FAX Number | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | 5. Date ofbirth (mm/dd/yyyy) | | 6. Social Security Number | | | | 7. Are | | | | you a citizen of the United States of America?
Yes No | | | | | | | | | | | | | | | | | | | | | | 8. | Is this an application for disability retirement?
Yes (Ask your employing office about other documents you must submit) | | | No | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |

FAQs

How does the spouse’s age relative to the retiring employee affect the annuity reduction percentage?

The document lists reduction rates that increase as the spouse is younger by a greater number of years, from 10% for the same age or up to 40% when the spouse is 30 or more years younger.

What happens to an annuity under the maximum survivor annuity election?

Under the maximum survivor election, the retiring employee’s annuity is reduced (10% per the provided election text), and the spouse’s annuity upon death is stated as 50% of the unreduced earned annuity unless the spouse consents to an election not to provide maximum survivor benefits.

What does the Privacy Act Statement explain about the collected information?

It states that providing the information is authorized under federal retirement, life insurance, and health benefits laws, describes how data is used to identify and manage benefit claims, and notes that information may be shared and verified, including via computer matching and potential disclosure to law enforcement for violations.

Sep 3, 2026

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