Deferred retirement

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Q. After working for the Postal Service for 20 years, I left service in 2004. I started as an RCR in 1984, and later became an RCA. In 1995, I became a rural carrier full time and was in FERS for nine years. I heard that I can buy more years for my retirement calculations. I turn 62 in December. How do I find out what buying some years will cost, and what forms will I need to have everything ready for December?

A. Only employees can make a deposit to get credit for service from which retirement deductions weren’t taken, and then only if that nondeduction service is considered potentially creditable.

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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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