Deferred annuity and COLA


Q. Do former CSRS employees eligible for a deferred annuity receive an annual cost-of-living increase for deferred annuity payment, or is amount static?

A. Those who apply for a deferred annuity will have it calculated as though they had retired on the day they left government. It will not be increased by any cost-of-living adjustments that were applied to annuities between that time and the date on which their deferred annuity begins. However, from that point forward, those annuities will be increased by any COLAs that are applied to other annuities.


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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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