Salary percentage in retirement


Q. I have 47 years of service under CSRS; I do not plan on retiring for at least three more years. Will I be able to receive more than the 80 percent of my salary, as the law mandates, or can percentage be added to my time?

A. While 80 percent is the maximum amount of an earned annuity, you’ll receive a refund of all the retirement contributions you made after you worked for 41 years and 11 months and be offered the option of purchasing additional annuity that, like unused sick leave, isn’t subject to the 80 percent limit.


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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