Military retired pay before nonmilitary retirement


Q. I retired from the Coast Guard with 20 years of service. I have not bought any time for retirement. I know that if I buy back those 20 years, I will have 30 years to count toward civilian retirement. If I do buy it back now, what happens to my Coast Guard retirement check if I keep working for the government? I know it will stop once I retire, but what happens if I keep working?

A. Regardless of when you make your deposit, you won’t have to waive your military retired pay until you retire from your civilian job. Until you do that, you’ll continue to receive your military retired pay.


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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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