Annuity computation


Q. I am a 57-year-old FERS employee with 29 years and 11 months of civilian federal service, five years of active-duty military service and 31 years of military reserve service (I plan to retire from reserve duty at 60).  I want to know how my retirement from civilian federal service will be computed. I bought back the active-duty military service.

A. Your FERS annuity will be computed using the standard formula: .01 x your high-3 x your years and full months of service (including actual service and active duty service for which you’ve made a deposit).


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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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