6(c) and non-6(c) time


Q. Can you tell me if I would get a full 48 percent when I retire at age 57 from 6(c)? I started working with the federal government as a non-law enforcement officer under FERS in 1997 and continued for 12 years (12 percent). In 2009, I was hired into a position that is 6(c) and plan on retiring at 57 with 36 percent. When I retire from my 6(c) position, will be able to draw on the fed 12 percent, or do I have to wait?

A. Because you haven’t provided me with a few crucial pieces of information, I’ll just give you the straight answer for any FERS employee who has both non-LEO and LEO work experience. To retire as a law enforcement officer, you must have 20 years of covered service and retire at age 50 or 25 years at any age. That 20 years of covered service will be computed using the enhanced formula and all other service computed using the standard formula. If you have fewer than 20 years of covered service, you can retire on an unreduced annuity when you reach your minimum retirement age and have 30 years of service, and your entire annuity will be computed using the standard formula.


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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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