Calculating years of federal service


Q. I don’t understand the years and months of federal service for the annuity calculation. Would a year be 12 months, thus, say, 20 years and six months = 320 months, or 20+6 = 26? I get the 0.011 and the high-3 methodology, just stuck on the above.

A. Using your example, 20 years and six months would be 20.5 years.


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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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