Annuity for four years of FERS service


Q. I am a FERS employee with two years of service. I am on a two-year term employment. When it expires, I will have four years of FERS employment. I have already bought back my four years of academy time. I am 56 and will be 58 when my term employment ends.

Can I receive a FERS retirement annuity at the end of my term employment since I will have only four years of FERS time? Or do the four years of academy time that I bought back give me eight total years of creditable service? Since I would be only 58, I understand I would have to apply for a deferred retirement.

A. No. Because you don’t have five years of actual FERS service, you wouldn’t be eligible for an annuity. If you were, you could apply for a deferred annuity at age 62.


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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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