Deployment and 6(c) creditable service


Q. I began 6(c) coverage on Sept. 26, 1999; I was deployed by the Army Reserve for 18 months from May 2005 to September 2006. I am 48 years old. Do I have to do an extra 18 months to retire with 20 years of 6(c) coverage? I bought back the 18 months already and I began my scheduled leave on April 19, 1993, which already had been paid back.

A. No, you don’t have to do an extra 18 months. Active-duty service that interrupts regular service and for which you’ve made a deposit, is treated as though you were continuously on the job.


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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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