Author Reg Jones

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

Q. I resigned from the U.S. Postal Service in 2005 with 490 hours of sick leave. I started working for the Department of Homeland Security in 2013. I have tried to contact the Office of Personnel Management to see if I could get my sick leave back. Is the Post Office different whereas my sick leave can’t be restored?

Q. I’m a FERS employee with the U.S. Postal Service. I have been with USPS for 28½ years and have two years and four months of time in the military. Can I retire now and still receive my special retirement supplement, or do I have to wait until I get 30 years with USPS?

Q. Why wouldn’t the Office of Personnel Management give you an option to have taxes withheld if a survivor annuity is taxable? What a huge shock to find out that I owe $6,000!

Q. I work for the U.S. Postal service and I’m applying for disability retirement. Re: the high 3 year average. ,y pay rate is $58,350 for 2017. For the last 3 or 4 years I’ve been using LWOP a lot and my yearly income has hovered around $40,000 a year. Do they use my pay rate of $58,350 (it was around $58,000 for 3 consecutive years) or do they use the $40,000 figure to arrive at the 3 year average? In other words, would LWOP effect my disability retirement income? Thanks for any help.

Q. I have 10 years in FERS, and I’m 60. I am being offered a Voluntary Separation Incentive Payment in August. I turn 61 in October. It is my understanding that my annuity be reduced by 5 percent for each year I’m under 62. Since I am turning 61 in October, will they only reduce my annuity by 5 percent instead of 10 percent? Lastly, when I turn 62, will my annuity reduction stop and go back to what I would have received at the age of 62?

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