Free, from the Limbo Kit

The OPM Retirement Phone Line, Decoded

OPM’s retirement line is 1-888-767-6738, open Monday to Friday, 7:40 a.m. to 5:00 p.m. ET. Getting a real person on it is the hard part. This free guide maps the whole call from real recordings, so you know what to do before you dial.

What the decoder holds

• The busy message that hangs up on you, and the one thing that actually gets you past it.
• What to say to Grant, OPM’s new voice assistant, to reach a real representative.
• The callback that holds your place in line, so you can hang up and let OPM ring you back.
• Plus the times of day the line is easiest to reach, and the three questions to ask once you’re through.

This decoder is one of twelve tools in the Limbo Kit. The tracker on this site is free and stays free, and so is the decoder. The $19 Kit is the other eleven tools plus the order to use them, for when the wait won’t end.

This is information, not legal or financial advice.