What is my high-3 based on?


Q. I am a GS-14 Step 6 Federal Employees Retirement System law enforcement employee with 3 1/2 years to go to before I’m eligible to retire. With locality pay and availability pay, I am capped and have about $133 per pay period withheld from my paycheck. My question is, what is being used to calculate my high-3? The
money I should have been paid or what I am actually paid?

A. Your high-3 will be based of what you actually received, which is the amount from which retirement deductions were taken.


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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 fedexperts@federaltimes.com.

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