Retirement options


Q. I am 73 years old and working with veterans benefits. My health and medical issues are forcing me to investigate potential retirement options. I have four years of civilian federal service under FERS and also have four years of military service. I draw nondisability Social Security. What retirement options do I have available?

A. Unless you have five years of actual FERS employment, you won’t be entitled to any retirement benefit. If you have five years and make a deposit for your active-duty service, your annuity would be 9 percent (5 civilian + 4 active duty) of your highest three consecutive years of average basic pay.


About Author

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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