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Frequently Asked Questions Retirement

I received a Letter of Ineligibility from OPM that states my retirement coverage is correct and no error exists. The letter cites my having less than 5 years of creditable civilian service as of December 31, 1986. What is so important about having 5 years of creditable civilian service and how is creditable civilian service defined?

The 5-year test is used to determine the proper retirement coverage of individuals who are being hired, transferred, or converted to a permanent position in the Federal service. It applies to all retirement coverage determinations made after January 1, 1987. If the 5-year test is met, an individual is not automatically covered by FERS. This means the individual would retain CSRS or CSRS Offset retirement coverage depending on the length of separation.


The 5-year test is met if an individual had 5 years of civilian service (don't count any military service) as of December 31, 1986. All Federal service is creditable for this purpose, regardless of the nature of the appointment (i.e., career, non-career, and whether or not retirement contributions were deducted from pay or a refund of retirement contributions was received). The 5-year test also is met if an employee separated after January 1, 1987, had 5 years of service, and had at least one appointment subject to retirement coverage.

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