Maxing out retirement benefits


Q. After how many years of federal service (all as a Department of Defense employee with military buyback) under FERS do you max out (percentage wise) for retirement?

A. While there is an 80 percent limit on an earned annuity under CSRS, there isn’t one for FERS. That’s because even using the higher .011 multiplier, you’d have to have 73 years of creditable service to reach it.


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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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