Retirement and pay cap


Q. Is my high-3 based on the capped amount or is it the base pay plus the full locality pay percentage?

A. Your high-3 will be based on the pay you actually received — the amount from which retirement deductions were taken — not the amount you would have received had it not been for the cap.


About Author

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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