Military buyback's effect on SCD and RIF


Q. I am retired from the Air Force after 22 years of service. I have been in FERS since 2005. In my office of five individuals, I was the last hired. I am thinking about buying my military service back. If I did this, would my service computation date change after I paid my deposit or would my SCD only change if I waived my retirement pay? Would buying back my time put me into a higher position with my peers if a reduction in force were to happen?

A. Your SCD would change if you made the deposit for those years of active-duty service. You wouldn’t have to waive your military retired pay until you retired. Having more years of service would work to your advantage in a RIF.


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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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