Military deposits


Q. I am looking to accept a position in the GS system. I was retired as a direct result of armed conflict with 21 years active duty. Will all of those years count toward my FERS retirement? Do I have to buy any back? I just want to know how long I would have to work before I could retire again and receive the FERS retirement. I am 46 now.

A. You would only be able to get credit for that period of active duty service without having to waive your retired pay if you were awarded it on account of a service-connected disability either incurred in combat with an enemy of the U.S. or caused by an instrumentality of war and incurred during a period of war. If you meet that definition, you wouldn’t have to waive your military retired pay; however, you would have to make a deposit to the civilian retirement system get credit for that time in your annuity computation

To meet the eligibility requirements to retire on an immediate unreduced annuity, you would have to have at least 5 years of actual FERS service and meet the minimum age requirement: 62 with 5, 60 with 20, or at your MRA with 30. Your MRA is 57.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to


  1. I want to be sure I have enough credible service. Can you tell me if I am 55 years old born in 1964, I have 33 years of service 23 is actual civilian service and 10 is military time with the air force, which I bought back in 1997. My SCD leave date says 1/23/87. Can I retire on my birthday next year in February. I will be 56.

  2. However, your SRS or special retirement supplement which you will draw until age 62 will be reduced. I had exact same years of BOTH as you have and ONLY ur 23 years will be used to calculate the SRS. I think mine was $615 versus the civilian girl who had worked her entire 33 yrs and hers was around $1100. Human Resources FAILED to tell me this & once I figured it out from OPM at the final computation, my HR had disconnected me so I was NOT able to call and ask why she failed to inform me of this $500 mistake. Anyway, I should have read more; but, I was very ill and although I retired on regular FERS, I did start drawing SSDI a year later. Good Luck

    • It’s unfortunate that your personnel office didn’t tell you that the SRS would be based solely on your actual FERS service. That’s the law and it should have been shared with you.

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