Service Credit
Civilian Service
If you-
- Performed CSRS service where no retirement deductions were withheld
from your pay, or
- Received a refund of your retirement deductions
You can pay that money back to the retirement system. Payment generally
affects the amount of your retirement.
If retirement deductions were not withheld during the period of service-
You can pay a deposit for the service. A deposit is the payment of the retirement
deductions, plus interest that would have been withheld from your pay if you
had been covered by the Civil Service Retirement System (CSRS) during a period
of employment when retirement deductions were not withheld from your salary.
You are not required to make this type of payment.
Deposit for Service Ending before October 1, 1982 and Covered by CSRS:
You can make a deposit for creditable Civil Service Retirement System (CSRS)
service you performed before October 1982 during which retirement deductions
were not withheld from your pay. You will receive retirement credit for
all of this service whether or not you pay the deposit. However, unless
you pay the deposit in full, your annual benefit will be reduced by 10 percent
of the deposit amount due at retirement. Also, any annuity due your surviving
spouse will be reduced proportionately. Interest is charged from the midpoint
of periods of service through the date of the bill. If full payment is received
within 30 days after the bill is issued, no additional interest is charged.
Otherwise, interest will be computed after each payment at the rate of 3 percent
for the interval since the most recent payment you have made. You may
pay installments of $50 or more, but paying the full amount minimizes further
interest charges. After each payment we will send you an updated account
statement.
Deposit for Service Ending on/after October 1, 1982 and Covered by CSRS:
You can make a deposit for creditable Civil Service Retirement System (CSRS)
service you performed on or after October 1982 during which retirement deductions
were not withheld from your pay. Unless you pay the deposit in full, you will
not receive credit for the service in the computation of your annuity. Interest
is charged from the midpoint of periods of service and is compounded annually.
Interest is charged through December 31 of the year before the year in which
the bill is being issued. If full payment is received by December 31 of the
year in which the bill is issued, no additional interest will be charged. If
not, interest will be computed once each year as of December 31 based on the
unpaid balance at that time. Interest is applied at the rates described in the
table below.
If retirement deductions were withheld from your pay and later refunded
to you-
You can pay a redeposit for the service. A redeposit is the repayment
of retirement deductions that were previously withheld and refunded to you,
plus interest.
Redeposit Service Ending before October 1990 and Covered by CSRS:
You can repay the refund you received for periods of civilian service ending
before October 1990 during which retirement deductions were withheld from your
pay and later refunded to you. However, you will receive credit for all of this
service whether or not you make the payment (unless you retire under the disability
provisions of the law). Your annuity will be subject to permanent actuarial
reduction based on the amount of redeposit and interest due and your age at
retirement. The actuarial reduction will not be applied to any annuity
due your surviving spouse. You can avoid the reduction by repaying the
refund.
If the refund was paid before October 1, 1982, interest is charged up through
the billing date. If full payment is received within 30 days after the bill
is issued, no additional interest will be charged. Otherwise, interest
will be computed after each payment at the rate of 3 percent for the interval
since the most recent payment.
If the refund was paid on or after October 1, 1982, interest is compounded
annually and charged through December 31 of the year before the year in which
this bill is being issued. If full payment is received by December 31
of the year in which this bill is issued, no additional interest will be charged.
If not, interest will be computed once each year as of December 31 based
on the unpaid balance at that time. Interest is applied at the rates described
in the table.
Redeposit Service Ending on/after October 1990 and Covered by CSRS:
You can repay the refund you received for periods of civilian service ending
on or after October 1, 1990, during which retirement deductions were withheld
from your pay and later refunded to you. Unless you pay the redeposit
in full, you will not receive credit for this service in the computation of
your annuity. Consequently, your annuity, as well as any annuity due your
surviving spouse, will be reduced. For refunds paid on or after October
1, 1982, interest is compounded annually and charged through December 31 of
the year before the year in which this bill is being issued. If full payment
is received by December 31 of the year in which this bill is issued, no additional
interest will be charged. If not, interest will be computed once each
year as of December 31 based on the unpaid balance at that time. Interest
is applied at the rated described in the table.
Procedures for Paying a Deposit or Redeposit-
You should apply to make a payment by completing a Standard
Form 2803 [512 KB], Application to Make Deposit or Redeposit. If you are within
six months of retirement, you should submit your request to make the deposit
or redeposit at the same time you submit your application for retirement.
You can use a form or letter to do this. We will notify you of any amounts due
so you can decide whether or not to make the payment. We cannot, however,
authorize your regular annuity payments until we have your decision about the
payment.
Military Service
Credit for Military Service performed after 1956-
Before 10/1/82 |
When you become eligible for Social Security benefits, your military service
after 1956 will be used in the computation of your Social Security. Unless
you pay a deposit, prior to retirement, for your military service after
1956, it will no longer count toward your CSRS retirement benefit. However,
if you pay the deposit, no adjustment to your retirement benefit is made
at age 62. |
On or After 10/1/82 |
You will not receive any credit for post-1956 military service unless
you pay a deposit for the service before you stop working. |
Amount of Deposit-
The CSRS deposit for military service performed after 1956 is 7 percent of
your military basic pay.
Procedures for paying the post-1956 military service deposit-
You must make the payment before you stop working for the government. You should
ask your local servicing personnel center for help in determining whether to
make this payment. They can provide personalized assistance because they have
your employment records