Best day to retire?


Q: I am under CSRS and plan to retire at the end of 2012. I have a WGI due Dec. 30, 2012. If I retire Dec. 30 as a best date, will my annual leave payout include the WGI increase? Do you think Jan. 3, 2013, would add any benefit?

A: Since your high-3 will be based on the average of your highest consecutive 36 months of pay, it’s unlikely that the difference in your annuity of retiring on the day of, the day after or up to January 3 would make any perceptible difference in your basic annuity. However, retiring on January 1, 2 or 3 would reduce your first month’s annuity by one-thirtieth for every day you stayed on the rolls.


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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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