Non-taxed annuity


Q. How does OPM determine the amount of years to pay back employ contributions to retirement? I have paid more than $114,000 into my retirement, and they are only allowing $3,800 a year for the non-taxed portion. This spans 30 years. I will probably never see it all. How is that fair? I would think it would be over the average life span of man in my case.

A. It’s the IRS that makes that determination based on actuarial tables. OPM merely applies it. To see how your tax-free amount was determined, go to


About Author

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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