Understanding Your Retirement System
Federal Employees Retirement System
Hired after 1984A three-part retirement plan combining a Basic Benefit, Social Security, and the Thrift Savings Plan (TSP).
Civil Service Retirement System
Hired before 1984A defined benefit plan based on years of service and high-3 salary, without Social Security for federal service.
📈 The "High-3" – Your Most Important Number
Your pension is calculated using your highest 3 consecutive years of average basic pay. For most employees, this is their final 3 years before retirement. Maximizing your High-3 is one of the best ways to increase your pension.
How We Calculate Your Pension
Your highest 3 consecutive years of basic pay
Total creditable federal service time
Unused sick leave adds to your service time
How much pension goes to your spouse
Cost-of-living increases over time
Reduction calculations if retiring early
1% or 1.1%
Per year (1.1% if 20+ yrs & age 62+)
MRA + 30
Minimum Retirement Age with 30 years
Guaranteed
Defined benefit for life
Know Your Exact Pension Amount
Get a personalized calculation based on your specific situation
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