AF Form 2391: Termination Information (NAF Retirement Plan) – If you are a Nonappropriated Fund (NAF) civilian employee working for the U.S. Air Force, understanding the Air Force NAF Retirement Plan is essential for protecting your benefits when your eligibility ends. AF Form 2391, officially titled Termination Information (Air Force Nonappropriated Fund Retirement Plan), is the key document used to record the end of your active participation in this plan.
The latest version of the form (dated 20231123) is prescribed by AFMAN 34-302 and authorized under 10 USC 9013. You can download the official blank PDF directly from the Air Force e-Publishing site: https://static.e-publishing.af.mil/production/1/af_a1/form/af2391/af2391.pdf.
What Is the Air Force NAF Retirement Plan?
The Air Force NAF Retirement Plan is a defined benefit plan for eligible regular NAF civilian employees (typically full-time or part-time regular appointments, excluding off-duty military). It provides retirement, disability, and survivor benefits, often supplemented by Social Security and personal savings like a 401(k).
- Eligibility: Regular NAF employees generally become eligible after a period of service (historically 12 months, with updates removing waiting periods in some cases).
- Contributions: Employees contribute a small percentage (often around 1%) of bi-weekly pay, with the plan covering the majority of costs.
- Vesting: Full vesting typically occurs after 5 years of credited service.
When your employment changes (e.g., separation, change to an ineligible category, or other events ending active participation), the plan requires formal documentation of your termination and your election regarding accumulated contributions and benefits.
Purpose of AF Form 2391
AF Form 2391 formally documents:
- The termination of eligibility for active participation in the AF NAF Retirement Plan.
- Your personal election: refund of contributions (with interest) or a deferred annuity (if you have 5+ years of credited service).
- Retirement application details if you are electing immediate retirement.
- Survivor annuity options (e.g., reduced annuity for a 55% survivor benefit to a spouse).
- Death notification and beneficiary information (if applicable).
The Human Resources Office (HRO) uses this form to counsel employees, record elections, and process benefits. The original or copy is sent to the Air Force Services Center Benefits and Insurance Branch (formerly referenced as AFWB or similar), with a copy filed in your Official Personnel File (OPF). Failure to complete it properly can delay refunds, annuities, or survivor benefits.
Privacy Note: Information is protected under a Department of the Air Force System of Records Notice. Disclosure is voluntary but necessary for benefit processing; failure to provide required data may delay or prevent payments.
When Is AF Form 2391 Required?
Use or completion of AF Form 2391 is triggered by:
- Separation or termination from NAF employment.
- Change to an ineligible employment category (e.g., flexible appointment).
- Retirement (immediate or deferred).
- Death of a participating employee (for survivor processing).
Key timelines (per AFMAN 34-302 guidance):
- HRO must counsel the employee on options.
- The form (Parts I and IV at minimum) is completed and a copy sent to the Benefits Branch within 1 week of termination of eligibility.
- Original filed in the right side of the OPF.
How to Complete AF Form 2391 – Section by Section?
The two-page form includes clear fields and instructions. Part IV (Signature and Certification on the reverse) must be completed before submission.
Header / Personal Information:
- Name (Last, First, MI), SSN, Sex, Date of Birth (YYYYMMDD), Telephone, Address, Employing NAFI, Installation.
Section I: Termination of Eligibility for Active Participation
- Effective date of termination (YYYYMMDD) and reason.
- Election: Deferred annuity or refund of contributions (with interest).
- If 5+ years credited service: Attach Evidence of Age (AF Form 2395), pay actions for highest 36 consecutive months of compensation, and authorization for Social Security Earnings Information (if required).
Section II: Retirement Election (if applicable)
- Elect to submit application for retirement effective on a specific date.
- Spouse details (name, DOB, SSN) and election for survivor annuity (10% reduction for 55% continuing benefit to spouse, or other individual with actuarial reduction).
- Attach AF Form 2395 for non-spouse survivors.
Section III: Notice of Death (if the participant has died)
- Date of death.
- Beneficiary information (up to 4 beneficiaries: name, address, SSN, DOB, sex, relationship). Use a continuation sheet if needed.
- Surviving spouse details and Social Security benefit information.
- Attach death certificate.
Section IV: Signature and Certification
- Employee certifies information is correct.
- Personnel officer or authorized representative certifies completeness and accuracy.
Always attach required supporting documents as noted on the form.
Employee Options Upon Termination
Your choices depend on years of credited service:
- Less than 5 years: You generally receive a refund of your contributions plus interest.
- 5 or more years: You may elect a refund or leave contributions in the plan for a deferred annuity (payable later at retirement age).
- If eligible for immediate annuity at termination, different rules may apply (consult HRO).
- Rehiring later: Refunds may be repayable within a set period (e.g., 180 days in some guidance) to reinstate service credit.
HRO personnel must counsel you on these options before documenting your choice on the form.
Tips for NAF Employees
- Contact your local NAF Human Resources Office immediately upon separation or eligibility change for counseling and form assistance.
- Keep copies of all submitted documents and attachments.
- Update beneficiary information proactively to avoid issues later.
- Combine your NAF retirement with Social Security and any 401(k) or other savings for a complete retirement picture.
- Portability rules may apply if moving between NAF and Appropriated Fund (APF) positions—check with HRO or DCPAS guidance.
Important: This article provides general information based on official Air Force publications (AFMAN 34-302 and the form itself). Rules can update, and individual situations vary based on service history, age, and other factors. Always consult your servicing NAF HRO or the Air Force Services Center Benefits Branch for personalized guidance. Do not rely solely on this overview for benefit decisions.
Download the Official Form Here:
AF Form 2391 PDF
For additional Air Force NAF benefits resources, visit official sites such as myairforcelife.com or your installation’s Force Support Squadron.
Last updated information reflects the 2023 form revision and current AFMAN 34-302 guidance as of available sources.