Retirement calculation for 30+ years of service


Q. I am a FERS employee. I have 18 years of civil service and five years of Air Force service that I bought back for a total of 23 creditable years. I will reach my 30-year service mark long before my minimum retirement age of 57½. How is retirement calculated if I decide to go past the 30 years putting me at 38½ years of civil service and the MRA of 57½? I have heard that for each year over 30 you get additional percentage points.

A. You heard wrong. The formula is .01 x your-high-3 x your years of service unless you retire at age 62 or later with at least 20 years of service. Then the multiplier is increased to .011.


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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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