Q. My retirement plan is CSRS Offset. I will have 32 years of civil service time in December. I have been a GS-6, Step 10 for the past seven years. Before that, I was a GS-7, Step 9, and before that, I was a GS-5, Step 10. If I work until I have 35 years of service, what will be the percentage of my high-3. Some people say 60 percent, and 80 percent if I work until I have 40 years of service. Is that correct?
A. Nothing those people told you is correct. Stop listening to them. To receive a CSRS annuity that would equal 80 percent of your high-3, you’d have to have 41 years and 11 months of creditable service. If you retired with 35 years of service, your annuity would be 66.25 percent of your high-3.