Retirement and COLA


Q. If you retire in an area with a cost-of-living adjustment and then later move to one without COLA, is your retirement reduced?

A. Retiree cost-of-living adjustments aren’t locality based. For example, the 2012 COLA for CSRS retirees was 3.6 percent; for eligible FERS retirees, it was 2.6 percent. COLAs are applied uniformly across the board, no matter where you are located.



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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