Maximum annuity calculation


Q. I’m a CSRS employee with 41 years and 10 months of service. Is there a maximum annuity calculation? Is it based on my high-3 during that final three years or will it include the salaries of any years after that?

A. Your high-3 will be based on your highest three consecutive years of basic pay whenever they occur in your career. If you work for 41 years and 10 months, you’ll be entitled to the maximum earned annuity, which is 80 percent of your high-3. While retirement contributions will continue to be taken from your pay, when you retire you’ll have the option of accepting a refund of those excess contributions or purchasing additional annuity that isn’t subject to the 80 percent limit. Also not subject to the 80 percent limit is any unused sick leave you may have when you retire.


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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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