{"id":274566,"date":"2025-11-06T06:00:18","date_gmt":"2025-11-06T06:00:18","guid":{"rendered":"https:\/\/www.newsbeep.com\/us\/274566\/"},"modified":"2025-11-06T06:00:18","modified_gmt":"2025-11-06T06:00:18","slug":"fully-automated-federal-retirement-feasible-in-next-six-months-opm-director-says","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us\/274566\/","title":{"rendered":"\u2018Fully automated\u2019 federal retirement feasible in next six months, OPM director says"},"content":{"rendered":"<p>As the Office of Personnel Management makes progress toward a long-pursued goal to move the government\u2019s paper-based retirement system into the 21st century, its director said a \u201cfully automated\u201d process is about six months away.<\/p>\n<p>\u201cThat\u2019s not going to happen overnight,\u201d OPM Director Scott Kupor said in an interview with FedScoop. But, Kupor said he believes the agency can get there within six months \u201cfor sure.\u201d<\/p>\n<p>The human capital agency hit a milestone in May with the <a href=\"https:\/\/fedscoop.com\/opm-sets-june-2-deadline-for-new-retirement-applications-to-be-electronic\/\" rel=\"nofollow noopener\" target=\"_blank\">launch of its Online Retirement Application<\/a>, operationalizing a <a href=\"https:\/\/fedscoop.com\/doge-took-credit-for-his-work-now-an-opm-alum-fights-to-get-his-job-back\/\" rel=\"nofollow noopener\" target=\"_blank\">yearslong development effort<\/a> and marking the end of paper file submissions. Yet behind the scenes at OPM, there\u2019s still much work to do to bring about a truly automated process.\u00a0<\/p>\n<p>Though the application submissions are now online, humans still currently check the information coming in to make sure they\u2019ve been completed properly and manually key in information into a calculator in \u201ca significant number of cases,\u201d Kupor said. That introduces \u201ca huge amount of delay in the system\u201d and is something the agency is working to fix.<\/p>\n<p>The aim is to ultimately have a system where the retiree, human resources, and the payroll provider all submit their information online and route that package electronically \u2014 not to a person in the agency\u2019s retirement services division, but to a <a href=\"https:\/\/www.opm.gov\/information-management\/privacy-policy\/privacy-policy\/dfs-pia.pdf\" rel=\"nofollow noopener\" target=\"_blank\">Digital File System<\/a> that can fill in the application and do the calculations, Kupor said. Under that future process, he said, all individuals at OPM will be doing is reviewing and spot checking.\u00a0<\/p>\n<p>The simple target of what OPM is trying to do with retirement services, Kupor said, is to go paperless \u201cas quickly as possible.\u201d<\/p>\n<p>While many priorities across government have changed from the Biden to Trump administrations, the modernization of the federal retirement system has remained a primary goal, getting early interest from DOGE. Despite an <a href=\"https:\/\/www.washingtonpost.com\/politics\/2025\/10\/13\/retirements-buyouts-federal-government-trump\/\" rel=\"nofollow noopener\" target=\"_blank\">influx of retirements<\/a> under the Trump administration\u2019s incentivized programs to get workers to leave federal service and now a long government shutdown, OPM is making incremental progress toward that goal.\u00a0<\/p>\n<p>Coming soon<\/p>\n<p>Several key developments to bring federal retirement closer to its end-goal are moving forward \u2014 with some nearing completion in the near future.\u00a0<\/p>\n<p>The biggest focus areas for OPM are working to integrate payroll providers across the government with the system and completing development on an automated calculator that can read and process the incoming information, Kupor said.<\/p>\n<p>By the end of the calendar year, Kupor said his hope is that the agency will have major providers across government integrated with the system \u2014 though the shutdown could impact that timeframe.<\/p>\n<p>As it stands, delays getting necessary historical payroll information from those providers can take 15 to 30 days, Kupor said. But once they\u2019re integrated, the information will be sent electronically in a computer-readable format on day one, as opposed to the current process of sending PDFs.\u00a0<\/p>\n<p>He estimated that of the roughly five or six major payroll providers, only one is currently providing machine-readable information.\u00a0<\/p>\n<p>While OPM\u2019s own retirement services work is not funded by appropriations and is therefore not impacted by the current lapse, the shutdown is impacting HR and payroll partners elsewhere in government.\u00a0<\/p>\n<p>\u201cMy goal was to have all that done by December 31st. I still hope \u2014 I still believe \u2014 that\u2019s possible, but I think if something slips, that will slip as a result of the shutdown,\u201d Kupor said of the payroll integration.<\/p>\n<p>An automated calculator, called Janus, is similarly nearing the finish line.\u00a0<\/p>\n<p>Kupor called that project \u201cvery far along\u201d and said he anticipates that the tool will be completed in the next month or two. FedScoop previously reported that Biden administration officials had <a href=\"https:\/\/fedscoop.com\/doge-took-credit-for-his-work-now-an-opm-alum-fights-to-get-his-job-back\/\" rel=\"nofollow noopener\" target=\"_blank\">made substantial progress<\/a> on that element.\u00a0<\/p>\n<p>\u201cWe\u2019re almost at the point where all the calculations can now be done automatically, instead of literally via an Excel spreadsheet that a retirement services person is using,\u201d Kupor said, noting that the complexity of some cases is a challenge.\u00a0<\/p>\n<p>New updates<\/p>\n<p>Smaller developments are advancing, too.<\/p>\n<p>In the next couple of weeks, Kupor said OPM will roll out a capability that will do more spot checking of each submission up front so people can\u2019t file an application that hasn\u2019t been vetted by the computer. That will eliminate a lot of what OPM refers to as \u201cunhealthy\u201d applications coming into the system, which will \u201csave a lot of time,\u201d Kupor said.<\/p>\n<p>Last week, OPM also rolled out two updates to inch its progress forward: An easier way for annuitants to download 1099-Rs \u2014 a retirement-related tax form \u2014 without having to log into Retirement Services Online, and a <a href=\"https:\/\/www.opm.gov\/retirement-center\/apply\/retirement-processing-times\/\" rel=\"nofollow noopener\" target=\"_blank\">new publicly available dashboard<\/a> with estimated wait times for aspects of both the federal retirement and survivor benefit application processes.\u00a0<\/p>\n<p>According to Kupor, OPM has historically had to send 2 million paper copies of 1099-Rs to annuitants each year and requests for those forms drive a large portion of questions that OPM\u2019s call center receives. \u201cFor the first time, now people can actually go online and just request their 1099-R from a secure portal,\u201d Kupor said.\u00a0<\/p>\n<p>The dashboard, meanwhile, provides slightly more detailed information than previously available about application wait times, including the average time for receiving \u201cinterim pay\u201d \u2014 a percentage of an annuitant\u2019s expected total monthly retirement payout that\u2019s provided as a stopgap while the process for receiving the full amount moves forward.<\/p>\n<p>Those averages are meant to help avoid a situation where annuitants feel like \u201cthings are going to a black hole\u201d and they \u201cdon\u2019t know what\u2019s happening,\u201d Kupor said.<\/p>\n<p>Per the September 2025 figures available upon publication of this story, the current wait time for interim pay was 14 days, which a spokeswoman said is in line with historical figures, and immediate retirement was 76 days, which is roughly two weeks longer than the agency\u2019s goal of 60 days.\u00a0<\/p>\n<p>Good signs<\/p>\n<p>John Hatton, the vice president of policy and programs at the National Active and Retired Federal Employees (NARFE), told FedScoop that both of those updates appeared to be positive steps.<\/p>\n<p>\u201cWe\u2019ve been frustrated with the processing times at OPM for a long time because of the paper-based process, so to see it move in this more modern direction and the transparency here is a good sign,\u201d Hatton said of the updates.<\/p>\n<p>On the 1099-R capability, he noted that NARFE \u201cdefinitely\u201d has members who have struggled to get into the Retirement Services Online system, particularly after the platform added Login.gov access \u2014 the government\u2019s single sign-on solution.\u00a0\u00a0<\/p>\n<p>\u201cIf all they need to do is look for a 1099-R and this makes it easier for them to do that, that\u2019s great,\u201d he said. Though, he added, it\u2019s too early to tell if the new 1099-R\u2019s capability would be helpful.\u00a0<\/p>\n<p>Hatton also welcomed the wait times dashboard.\u00a0<\/p>\n<p>While he noted that OPM has a history of routinely posting <a href=\"https:\/\/www.opm.gov\/retirement-center\/retirement-statistics\/retirement-processing-status.pdf\" rel=\"nofollow noopener\" target=\"_blank\">average monthly processing times<\/a>, the interim pay- and survivor benefits-specific figures are new. On interim pay specifically, Hatton said that with the volume of retirements under the current administration, NARFE has been concerned about people getting at least those payments as quickly as possible.\u00a0<\/p>\n<p>\u201cIt\u2019s frustrating to wait for your full retirement,\u201d Hatton said. \u201cIt\u2019s even more frustrating to wait if you don\u2019t get any retirement coming in.\u201d Interim pay is the \u201cfirst step in the process where you start getting some form of annuity,\u201d he said.<\/p>\n<p>Interim pay<\/p>\n<p>Kupor similarly emphasized the importance of interim pay as the government deals with the volume of retirements, and said the agency has been working to get as many people those checks as quickly as possible.<\/p>\n<p>As the system is in a period in between fully and partially automated, Kupor said, the changes to interim pay are \u201cthe most important thing in the short term\u201d the agency can do to \u201csubstantially minimize any disruption that people have in terms of their getting a check.\u201d<\/p>\n<p>Historically, Kupor said OPM has been able to get about 30% of people on \u201cautomatic\u201d interim pay, which means they\u2019re getting their first partial retirement payments in a week to 15 days. According to an OPM spokeswoman, the agency has been able to get the share of workers automatically getting those payments up to 75% \u2014 meaning a human is not touching it.<\/p>\n<p>The remaining non-automatic portion of those annuitants, currently, has a complicating factor, such as a divorce, that needs a human to review and process. But the goal is to get as close to 100% of people into the automatic process as possible, Kupor said.<\/p>\n<p>\u201cThe whole purpose there is we just recognize that, obviously \u2014 given the volume of applications we have \u2014 we know it\u2019s going to take us a little bit longer to get the final pay for people,\u201d Kupor said.<\/p>\n<p>\t\t\t\t\t<img decoding=\"async\" class=\"author-card__image\" src=\"https:\/\/www.newsbeep.com\/us\/wp-content\/uploads\/2025\/11\/alder-headshot.jpg\" alt=\"Madison Alder\"\/><\/p>\n<p>\n\t\t\tWritten by Madison Alder<br \/>\n\t\t\tMadison Alder is a reporter for FedScoop in Washington, D.C., covering government technology. Her reporting has included tracking government uses of artificial intelligence and monitoring changes in federal contracting. She\u2019s broadly interested in issues involving health, law, and data. Before joining FedScoop, Madison was a reporter at Bloomberg Law where she covered several beats, including the federal judiciary, health policy, and employee benefits. A west-coaster at heart, Madison is originally from Seattle and is a graduate of the Walter Cronkite School of Journalism and Mass Communication at Arizona State University.\t\t<\/p>\n","protected":false},"excerpt":{"rendered":"As the Office of Personnel Management makes progress toward a long-pursued goal to move the government\u2019s paper-based retirement&hellip;\n","protected":false},"author":2,"featured_media":274567,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[146380,28,146381,147,530,1666,644],"class_list":["post-274566","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-2025-government-shutdown","tag-business","tag-office-of-personnel-management-opm","tag-personal-finance","tag-personalfinance","tag-retirement","tag-trump-administration"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/274566","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/comments?post=274566"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/posts\/274566\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media\/274567"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/media?parent=274566"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/categories?post=274566"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us\/wp-json\/wp\/v2\/tags?post=274566"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}