LEO combined with regular service


Q. When I meet my MRA, I plan to retire with 31 years of federal service. The first nine years I worked in law enforcement. How will this affect my retirement? Will I be eligible to draw 1.7 percent for the nine years and 1 percent for the rest of my federal service?

Lump-sum withdrawal


Q. I’m looking to retire by the end of 2014 with almost 34 years of service under CSRS. I see in one of your answered questions about CSRS retirement lump-sum payment from the 2012 article in Federal Times. It sounds like that person wanted to get a lump-sum payment of their retirement contributions and still receive a monthly annuity. The answer to the questions was no, you can’t receive a refund of your retirement contributions. Does this mean that if a person retires from federal service and wants to get a lump-sum payment of their retirement without also getting an…

Retirement at GS-13


Q. I am a GS-13 with 10 years of federal service. If I were to retire with 20 years of service at GS-13, what would be the retirement pay for GS-13? I understand about TSP and Social Security, but I’d like to know what retirement pay I would receive as a GS-13.

Buyback age limit


Q. I am 65 and still working but at this time, I have not or did not buy back my military time, is there an age limit where I do not have to buy it back, or yes, if I want the extra money, I will have to buy it back? A. There isn’t an age limit on when you may make a deposit to get credit for your active-duty service. The only requirement is that you make that deposit before you retire. Note: If you are a CSRS employee who doesn’t make a deposit, you’ll still get credit for…

Finding Your High-3


The “high-3” is an essential element in the formula used to calculate your annuity. But what does the term high-3 mean? And how do you figure out what yours is? The high-3 defined Your high-3 is the average of your highest rates of basic pay over any three consecutive years of creditable civilian service, no matter when they occur in your career, with each pay rate weighted by the length of time it was received. That three-year period starts and ends on the dates that produce the highest average pay. It starts on the first day that leads to the…

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