Military buyback and annuity computation


Q. I am a CSRS employee, age 57, and don’t have enough credits to qualify for Social Security and never will.  I have 4½ years in Air Force and 34 years of federal service. I have not bought my military time back. If I retire this year, how many years would my annuity be based on, 34 or 38½ years?

A. Assuming that your active-duty service was performed before Oct. 1, 1982, your annuity will be based on 38½ of service. If it was performed on or after that date, it will be based on 34.


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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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