Talk of a high-5


Q. There is word from co-workers attending current CSRS/FERS retirement seminars that in the near future OPM will be implementing a high-5 calculation in annuity calculations. Will this effect all retiring workers when it becomes law or will older workers be grandfathered to the older high-3 calculation?

A. OPM won’t be doing anything unless a law is passed that would require that a high-5 be used instead of a high-3. To date, only a few members of Congress have suggested such a change. If it were to become law, past experience says that it would only apply to those retiring after a certain date.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to

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