Challenges to five-year rule


Q. I am looking for any successful challenges to the five-year rule. I began federal service July 1984, 2½ years before FERS became effective. I was placed originally in CSRS offset and then placed fully in FERS due to the five-year rule. I want to be under CSRS. I am 56, and I have 29 years of federal service and four years military service (Air Force, 1975-1979). Is there any way to beat this five-year unfair decision?

A. No, there isn’t. And it isn’t unfair.


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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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