Yes! You can use AI to fill out Standard Form 3107, Application for Immediate Retirement, Federal Employees Retirement System
Don't type 471 fields by hand. Tell our AI about yourself, or upload a document you already have, and it fills every field in seconds. You check it, then download, print or sign.
The AI does the filling. You just check it.
No typing into boxes, nothing to install.
What this form asks for
The AI fills all of it, from your answers or your documents.
The AI checks your answers before you download
12 checks built for this form, so a wrong date or a missing answer is caught before anyone else sees it.
This check ensures that the Social Security Number in Section A, Item 6 is provided and follows the standard XXX-XX-XXXX format. The SSN is a primary identifier for locating records and processing benefits, so its accuracy is critical. If the SSN is missing or incorrectly formatted, the application processing will be halted until the correct information is obtained, causing significant delays.
This validation verifies that the applicant has physically signed the application in Section I and provided a valid date. An unsigned application is legally invalid and cannot be processed. This certification confirms the applicant attests to the truthfulness of the information provided, which is a legal requirement. Failure to sign will result in the immediate rejection of the application.
This check confirms that if the applicant answers 'Yes' to being married in Section C, Item 1, then all spousal details in items 1a through 1f (Spouse's name, DOB, SSN, etc.) are fully completed. This information is essential for determining survivor benefits and health insurance eligibility for the spouse. An incomplete section will require follow-up with the applicant, delaying the calculation and payment of the annuity.
This validation checks if a married applicant selects any annuity option in Section D other than the maximum survivor benefit for their current spouse (i.e., they do not initial Box 1). If so, it verifies that a completed and notarized SF 3107-2, Spouse's Consent to Survivor Election, is attached. This is a legal requirement to protect spousal rights, and its absence will prevent the finalization of the retirement claim.
This check ensures the 'Date of final separation' in Section B, Item 2 is a valid date in MM/DD/YYYY format and is logically sound. The date must not be before the applicant's date of birth and should be consistent with an 'immediate' retirement (i.e., within 30 days of application). An illogical or invalid date would make it impossible to determine eligibility and the annuity commencement date, requiring correction.
This validation applies if the applicant elects a survivor annuity for a former spouse in Section D, Box 5. It verifies that the 'Total' percentage entered is exactly 25% or 50%, as stipulated by the form's instructions. It also checks that the sum of the individual percentages equals the stated total. An incorrect total makes the election invalid and prevents OPM from knowing the applicant's true intent.
And 6 more checks
- Ensures Schedule A is Attached for Claimed Military Service
- Ensures Schedule C is Attached for Workers' Compensation History
- Verifies Attachment of Court Orders for Former Spouse or Children
- Validates Completeness of Direct Deposit Information
- Prevents Insurable Interest Annuity Election for Disability Retirement
- Validates Logical Sequence of Marriage and Divorce Dates
Let AI fill out your SF 3107
No typing. Every field filled in seconds, checked, ready to sign.
How to Fill Out SF 3107 Online for Free in 2026
What the AI walks you through.
- Navigate to Instafill.ai and upload or select the SF 3107, Application for Immediate Retirement form.
- Use the AI-powered tool to automatically populate your personal identifying information in Section A, including your name, Social Security Number, and contact details.
- Provide details of your federal service in Section B, such as your retiring agency and date of final separation, and answer questions about military service.
- Complete Section C with your marital information and make your annuity election in Section D, specifying survivor benefits for a spouse or former spouse if applicable.
- Fill out insurance information in Section E (Health, Life, Dental/Vision) and provide payment instructions for your annuity in Section H.
- Review all the information pre-filled by the AI for accuracy, make any necessary corrections, and then digitally sign and date the applicant's certification in Section I.
- Download the completed SF 3107 and submit it along with any required schedules (A, B, C) and supporting documents to your employing agency's personnel office.
Frequently Asked Questions About SF 3107
Is it really free for 7 days?
Can I fill other forms too?
How do I cancel?
How does the AI fill out SF 3107?
What happens to my information?
How complex is SF 3107 to fill out?
What is the purpose of the Application for Immediate Retirement (SF 3107)?
Who should not use this form?
Where do I submit my completed retirement application?
I have prior military service. What do I need to do to get credit for it?
I am married. Do I have to provide a survivor annuity for my spouse?
What documents do I need to attach to my application?
How do I provide survivor benefits for a former spouse?
How will I receive my annuity payments?
What should I do if I move after submitting my application?
What if I have received or applied for workers' compensation benefits?
Can AI tools help me fill out this complex retirement application?
How can I fill out the SF 3107 form online?
The PDF version of the SF 3107 I found is not fillable. What can I do?
Get your SF 3107 filled out by AI
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Other forms like this one
retirement system forms: Form ORP-RMD-1, State University System Optional Retirement Program (SUSORP) Application for a Required Minimum Distribution
federal employee forms: OPM Form 71, Request for Leave or Approved Absence, Form CA-1, Federal Employee's Notice of Traumatic Injury

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Our AI already knows this form, all 471 fields of it. Skip the typing: tell it about yourself, or upload what you have, and it fills the whole form in seconds.
- AI fills every field on all 14 pages, checkboxes included
- No typing into boxes: answer a few questions, or upload a document you already have, an old copy of this form, a photo of a document
- The AI checks the answers; you review and change anything before you download
- Download the finished PDF, print it, or sign it online
- Encrypted, and never used to train AI
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