Retirement date


Q. I am contemplating retiring Dec. 31, Jan. 2 or Jan. 3. I am not sure how the CSRS annuity check is computed. Based on a full month? Or if I retire during the month, is it prorated, or is that month lost.

1. When does my CSRS pension start if I retire on Dec. 31? Do I receive an entire month’s (January 2013) pension check? When would I receive it?

2. If I retired on Jan. 2 or 3, when would I receive my annuity check? Is it prorated for January?

3. Also, since the leave year ends Jan. 12, would it be advantageous to retire on that date? When would I receive my annuity, and would it be prorated?

A. 1. If you retired Dec. 31, you would be on the annuity roll in January with a benefit payable Feb. 1. When you actually began receiving your annuity would depend on two things: when your agency got your paperwork to the Office of Personnel Management and when OPM processed it.

2. If you retired Jan. 2 or 3, you’d be on the annuity roll in January, but your annuity for that month would be reduced by 1/30 for every day you weren’t retired.

3. If you retired after Jan. 3, you wouldn’t be on the annuity roll until February, with the first annuity payment due March 1.


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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