Q. My unpaid deposits totaled $11,000. I’m having a hard time paying this, as I’m only GS-05. If I retire in September 2018, are they going to deduct all this on my first annuity pay?
A. If you haven’t completed the deposit before your annuity is adjudicated by the Office of Personnel Management, all the money you already paid in will be returned to you and you won’t get any credit for that period of service in your annuity computation.