Annuity calculation


Q. I worked for the Postal Service as a clerk from 1985 until 1997. When and how much of a pension am I entitled to?

A. If you left your contributions in the retirement fund when you left, you’ll be eligible for an annuity at age 62. The amount will be calculated using this formula: 0.01 x your highest three consecutive years of average salary (your high-3) x all years and full months of service.


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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