Block 19


Q. The definitions on the web for block 19 “cumulative retirement” only defines it, which to me has absolutely no meaning since it does not also state what happens to that amount once you do retire. Is that an initial retirement “seed money” or what? What happens to it?

A. That’s a record of your contributions to the retirement fund. It only becomes important if you 1) resign from the government and ask for a refund of your contributions or 2) retire. In the latter case, it will be included in a formula used to determine how much of your annuity will be tax free. See IRS Publication 721 for an explanation of how that is done.


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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