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Your basic annuity is computed based on your length of service and “high-3” average salary. You also receive credit for unused sick leave if you retire on an immediate annuity. To determine your length of service for computation, add all your periods of creditable service, and the period represented by your unused sick leave, then eliminate any fractional part of a month from the total.
Your “high-3” average pay is the highest average basic pay you earned during any 3 consecutive years of service. These three years are usually your final three years of service, but can be an earlier period, if your basic pay was higher during that period. Your basic pay is the basic salary you earn for your position. It includes increases to your salary for which retirement deductions are withheld, such as shift rates. It does not include payments for overtime, bonuses, etc.
Here is how the CSRS annuity formula is calculated:
1.75 percent of your high-3 average salary for each year
2 percent of your high-3 average salary for each year.
Your annuity will be reduced if:
Your annuity will be increased periodically by cost-of-living increases that occur after you retire. Your initial cost-of-living increase will be prorated based on how long you have been retired when that cost-of-living increase is granted.
The maximum benefit you can receive from CSRS is 80 percent of your high-3 average salary, plus credit for your sick leave. This limit generally affects only those who have more than 41 years 11 months of service when they retire.
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2% of your high-3 average salary for each year
If you retire for disability, you may be guaranteed a minimum annuity equal to the smaller of:
The guaranteed minimum applies if you are under age 60 when you retire and your earned annuity based on your actual service is less than this minimum.
The guaranteed minimum does not apply if you are receiving military retired pay and/or compensation from the Veterans Administration in lieu of all or part of the military retired pay. However, if your earned annuity plus your military benefit (or compensation) is less than what it would have been under the guaranteed minimum, the annuity is increased to bring it up to that level.
Disability annuities for individuals who performed service in an enhanced position such as law enforcement officer, firefighter, nuclear materials courier, Capitol Police, or Supreme Court Policy will be credited at the higher 2.5% for that service.