Military buyback and annuity


Q. I am 64 with 3½ years in the Federal Employees Retirement System. I realize I need five years in FERS to qualify for a FERS pension. I bought back two years of military service time. Do these two years, added to the 3½ years in FERS, allow me to retire with a FERS pension?

A. No, they don’t. You need to have five years of actual FERS service to be eligible for an annuity.


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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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