Q. What is determined to be my high-3? Is it based on my last three years of civil service employment prior to retirement or is it the highest three earning years during the course of my career?

A. Your high-3 is average of your highest three consecutive years (78 biweekly pay periods) of basic pay, regardless of when they occur in your career.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.


    • OPM maintains the individual retirement records (IRRs) for any employment period preceding your current one.

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