The 35-year advantage


Q. I am 58 with 33 years of civil service benefits. Is there a big advantage to waiting until I have 35 years in to retire?

A. If you are covered by CSRS, your annuity would be increased by 2 percent for every additional year you worked. If you are covered by FERS, the increase would be 1 percent per year. It’s up to you to figure out whether that’s an advantage.


About Author

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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