Proper retirement system


Q. I was under CSRS from 1984 to 1987 was not vested and took a nonappropriated job. Before 1984, I was strictly an NAF employee. In 1991 I was converted under the Portability Act to civil service and became a FERS employee. Later I purchased the 3.2 years back and was told it had to go under a redeposit for FERS credit. I was told that I might qualify for the CSRS offset. Do I have options under the offset program, and is the offset better than 25 years under FERS with the 1.1 retirement multiplier?

A. Because you didn’t have five years of actual service under CSRS, you were properly placed in FERS.


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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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