FERS, CSRS Offset and service

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Q. After serving 12 years in the military, I went to work for the federal government Jan. 13, 1982, and left federal service in October 1987, having served five years and nine months. I was in CSRS that entire time. I withdrew my CSRS contributions when I left. I came back to work for the federal government in July 2006 and was placed in CSRS Offset, with the option of going into FERS. I opted to be in CSRS Offset. At that time, I paid the deposit plus interest to get credit for my military time for pension purposes. I read the “Ask the Experts” response of March 30, 2010, where it said that as of Jan 1, 1987, any current employee with fewer than five years of service under CSRS was automatically converted to FERS. On Jan. 1 1987, I was 13 days short of five years, although I had previous military time and more than 13 days of annual leave and sick leave on the books. The “Ask the Experts” answer of Jan. 18, 2012, seems to say that I was correctly placed in CSRS Offset. Other pamphlets I read say you need five years as of Jan 1, 1987. I was 13 days short, excluding military time. I think my military time counted because my service computation date is in 1969.

Now I am concerned that my agency might have placed me incorrectly into CSRS Offset and I might be in for a surprise when I retire. Am I correctly in CSRS Offset? Do I need to take any action?

A. You had to have five years of actual CSRS service. Active-duty service for which you made a deposit and unused annual or sick leave wouldn’t count when making that determination.

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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 fedexperts@federaltimes.com.

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