Q. I am currently overseas on an extended family vacation. I’ll be turning 62 years old at the end of this month. I left the federal service as a law enforcement officer in 2012 with 6 ½ years of creditable service. I did not receive a refund of my retirement contributions when I quit from my federal job. Can you give me an approximate annuity based on my service? What do I have to do to apply for it?
A. Here’s the formula for computing your annuity:
.01 x your length of service x the average of your highest three years of pay
To apply for a deferred annuity, go to www.opm.gov/forms. Download a copy of form RI-92-19, Application for Deferred or Postponed Retirement. Fill out the form and send it to OPM.