Military buyback and increased multiplier


Q. I plan on retiring at age 65, when I will have completed 15 years of federal civilian service. I have also paid the deposit on six years and four months of active-duty military service. Can I add the active-duty service to my 15 years of federal civilian service to qualify for the 1.1 percent of high-3 average salary for each year of service formula for those Age 62 or Older at Separation With 20 or More Years of Service?

A. Yes, because you paid a deposit for those years of service, they’ll be included when computing your annuity. And because of your age and service, it will be computed using the more generous multiplier.


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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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