Annuity options for rehired annuitant


Q. I retired as a GS-14, CSRS employee, at 30 years. If I take a GS-15 position, does the retirement stop, or is the pay just offset by the amount of the annuity? Do you pay into the CSRS retirement fund or FERS, or can one defer? Does health insurance continue from the retirement or from the new payroll?

A. As a rule, the salary of your new position would be offset by the amount of your annuity. The premiums for your FEHB coverage would continue to be taken out of your annuity. You would have the option of transferring to FERS. In either case, you could elect to have retirement deductions taken from your pay or not. If you served for at least one year in a full-time position and made the necessary contributions, you would receive a supplemental annuity; if at least five years, a redetermined annuity.

If, on the other hand, you were hired into a position where you could receive both your annuity and the salary of your new position, you could still elect to be under FERS; however, no deductions could be taken from your pay, and you wouldn’t be eligible for either a supplemental or redetermined annuity when you left.


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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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