Buy back


Q. I served 14 years of active duty and six years with the National Guard. Is it beneficial for me to buy back my 14 years of active-duty time toward my civil service retirement? If I do so, do I lose the six years spent in the National Guard? I have received my 20-year letter?

A. Making a deposit to get credit for your active-duty service would have no effect on your military retired pay. Whether it is worth it to make that deposit is for you to decide. Your personnel office can explain how to find out what you’d owe. With that information in hand, they can run estimates of what your annuity would be with and without making the deposit.


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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