Retirement at GS-13


Q. I am a GS-13 with 10 years of federal service. If I were to retire with 20 years of service at GS-13, what would be the retirement pay for GS-13? I understand about TSP and Social Security, but I’d like to know what retirement pay I would receive as a GS-13.

A. Your question is unanswerable. Your annuity would depend on the annual basic pay you’d be receiving during the three consecutive years before you retire. And no one knows what your high-3 would be 10 years from now. It would also depend on whether you’d be retiring at age 60 – in which case you’d be receiving an immediate, unreduced annuity – or under the MRA+10 provision – where your annuity would be reduced by 5 percent for every year you were under age 62.


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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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