Proration and CSRS


Q: I am a CSRS employee. I worked part time for some of my career and when my retirement was estimated recently I was given a proration of 93 percent. I asked if 93 percent was a permanent value or if it changes if I work longer. I was told that the proration number is permanent. I’ve worked 33 years and anticipate that I will work at least 38. Can you confirm that my proration will stay at 93 percent?

A: No it doesn’t stay at 93 percent. Whoever told you that didn’t understand basic arithmetic. The proration is determined by dividing the actual hours you worked by the total full-time hours you could have worked. The proration factor is then rounded to the nearest percent. Obviously, the more full-time hours you work the smaller the proration factor will become.


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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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