Retirement annuity


Q. My husband is already retired from the federal government under CSRS and receives a monthly annuity. He did not buy back his military time before retiring. He retired with 24 years under the Federal Law Enforcement Retirement System; he had two years and eight months active military — for a total of 27 years. Will he suffer any penalties in the future for this? Or will his retirement annuity be reduced when he is 62 years of age? He is 60 years old right now.

A. If he is  eligible for a Social Security benefit when he reaches age 62, his annuity will be reduced. If he isn’t eligible at age 62, it won’t be. The reduction would be 1/6 of 1 percent for every month for which he didn’t make a deposit.


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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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