Retirement date


Q. I am in CSRS. I will be 55 on Sept. 3. I will have 36 years and seven months at that time. Would it be beneficial for me to stay until February of next year to have a total of 37 years of service? I planned on retiring in December.

A. I can give you the facts. If you retire with 36 years and seven months of service, your annuity would equal 69.4167 percent of your high-3. If you retire with 37 years of service, it would be 70.25 percent of your high-3. If you have any unused sick leave, the percentages would be even greater. Every additional month you work would increase your annuity by roughly 1/6 of 1 percent. Deciding if it’s beneficial to stay onboard for an additional five months is up to you to decide.


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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