Retirement date


Q. I am a 60-year-old CSRS career employee of the Postal Service with a planned retirement date of Sept. 1, at which time I will have 31 years and two months creditable service including unused sick leave. Would there be any advantage to retiring Sept. 3, which is a paid holiday?

A. If you retired on Sept. 3 instead of the Sept. 1, you’d receive one more day’s pay and have your first month’s annuity reduced by 1/30th. The fact that Sept. 3 is a paid holiday doesn’t affect things one way or the other.


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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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