Annuity calculation


Q: Is there a schedule that I can see that shows dollar amounts for age and years of service for civil service retirees?

A: No, nor could there be. That’s because annuities are computed using a formula that includes an employee’s highest three consecutive years of average salary and his years and full months of service. As a rule, age is only used in combination with years of service to determine if an employee is eligible to 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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