Pensions under RIF situations


Q: I’m under FERS, have 23 years service, and am 53. If I were to be laid off under a reduction in force, what would my pension and health benefits be? Would I continue to be able to purchase health insurance through FEHBP?

A: Your annuity would be calculated using the following formula: 0.01 x your high-3 x your years and full months of service. You would also be eligible for the special retirement supplement when you reached your minimum retirement age. If you were enrolled in the FEHB program at the time you were separated, you would be able to continue your enrollment. If you weren’t, you’d be out of luck.


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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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