Q. I’m a U.S. Postal Service employee under the CSRS. Should I buy back my two years of military service? I have 39 quarters paid into Social Security.
A. If you don’t make a deposit, those years won’t be included when your CSRS annuity is calculated. If you do, your annuity would be increased by 4 percent. To find out what it would cost you to make that deposit, you’ll need to complete a copy of Form RI-20-97, Estimated Earnings During Military Service, and mail it to the military finance center for your branch of service with a copy of your DD 214, Report of Transfer or Discharge. When you get that information, take it to your payroll office with a copy of your DD 214 and a Standard Form 3108. Your payroll office will figure out how much you owe and arrange for you to make the deposit if you decide to do that.