Q. I had 16 years of CSRS from 1980-1996. I left federal service in 1996 and took my money out. The amount to pay it back with interest is too much. I then returned to federal service in 2010 and have become part of CSRS Offset. I plan to work for 10 more years, which will give me 15 years of CSRS Offset. How much will my annuity be reduced by not paying back the 16 years of CSRS I had?
A. You won’t get any credit for that time in your annuity computation unless you repay that money, plus accrued interest.