Understanding Your OPM Annuity Statement: What Retirees Need to Know

For federal employees, retirement doesn’t mean the paperwork ends—it just changes forms. In this episode of Rayna Retirement, host Rayna Reyes walks through the Office of Personnel Management’s (OPM) Services Online system and explains how to read and understand your monthly annuity statement. From interim checks to survivor benefits, deductions for insurance, and annual cost-of-living adjustments (COLAs), Rayna breaks down what every retiree should know. Whether you’re newly retired or preparing for the transition, this episode gives you a clear picture of how to track, manage, and verify your pension benefits after you leave federal service. 📞 Questions about your annuity statement or retirement benefits? Contact Rayna directly at 850-450-6500 or reach the team at 1-800-872-8857. Visit American Federal Benefits Consultants online to schedule your personalized review. — 📧 Contact: Rayna and the team at American Federal Benefits Consultants 📱Call 1-800-872-8857 💻 Visit AmericanFederal.org. YouTube:    / @raynaretirement   Website: https://www.raynaretirement.com/ 🇺🇸 Rayna Retirement is the go-to podcast for federal employees – or anyone – looking to make smarter financial decisions with clarity and confidence. Hosted by Rayna Reyes, co-founder of American Federal Benefits Consultants, this show simplifies the complexities of retirement, benefits, and financial planning. Whether you're navigating your FERS or CSRS pension, maximizing your TSP, or seeking expert advice on 401(k)s or IRAs, Rayna is here to guide you every step of the way. Tune in for practical knowledge, ethical solutions, and expert insights as you prepare for a secure and fulfilling retirement.