Part- and full-time work and high-3


Q. How is my annuity reduced after working full time for seven years, part time for 10 years and then full time for an additional 13 years? Is it still the high-3, or is there a reduction because of less money contributed for those 10 part-time years?

A. You’ll get full credit for the time; however, your annuity will be reduced proportionate to the amount of your service that was part-time.

You can see how that’s done at; scroll to Part 55A2.


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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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