High-3 calculation


Q. If I have less than three years in civil service but qualify for retirement based on military time I bought back, what is my high-3 calculated from?

A. Your annuity will be based on your combined civilian and military service for which you made a deposit. However, you don’t qualify for retirement. To do that, you will need to have five years of actual civilian service and meet the age and service requirements: 62 with 5 years, 60 with 20 years, at your MRA with 30 or at your MRA with between 10 and 29 years. In the last case, your annuity will be reduced by 5 percent for every year you were under age 62 when you retired. Note: MRAs range between 55 and 57 depending on your year of birth.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

Leave A Reply