{"id":27544,"date":"2023-10-05T20:01:23","date_gmt":"2023-10-05T20:01:23","guid":{"rendered":"https:\/\/one.sightlinemg.com\/federaltimes\/uncategorized\/2023\/10\/05\/have-i-served-long-enough-to-qualify-for-a-federal-retirement\/"},"modified":"2026-08-08T05:13:28","modified_gmt":"2026-08-08T05:13:28","slug":"have-i-served-long-enough-to-qualify-for-a-federal-retirement","status":"publish","type":"post","link":"https:\/\/one.sightlinemg.com\/federaltimes\/your-career\/2023\/10\/05\/have-i-served-long-enough-to-qualify-for-a-federal-retirement\/","title":{"rendered":"Have I worked long enough to qualify for a federal retirement?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">\u201cI served about 4 yrs. as a FERS employee from 1994 to 1998. I bought back 9 yrs. and 3 months of military time in 1998 for $7,300.00 which gives me approximately 13.5 years of Federal Service. I am over 62. Can I receive federal retirement even though I was a FERS employee for only 4 years? If not, can I get a refund for what I paid in?<\/h2>\n\n\n\n<h2 class=\"wp-block-heading\">Reg\u2019s Response<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">No, you can\u2019t. You would need to have 5 years of actual FERS service. Military service for which you made a deposit would only count after you were vested in the system. If you aren\u2019t planning to return to government service, you should ask for a refund of your both retirement contributions and deposit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To do that, write to:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">U.S. OPMRetirement Operations CenterBoyers, PA 16017-0045On the envelope write: Attention: Military Deposit Refund<\/p>\n\n\n\t<aside class=\"smg-interstitial-link wp-block-smg-interstitial-link\">\n\t\t<a href=\"https:\/\/one.sightlinemg.com\/federaltimes\/your-career\/2023\/07\/17\/is-military-service-creditable-in-a-fers-retirement\/\" class=\"smg-interstitial-link__inner\">\n\t\t\t\t\t\t\t<div class=\"smg-interstitial-link__media\">\n\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"300\" src=\"https:\/\/one.sightlinemg.com\/wp-content\/uploads\/2026\/08\/ask_the_expert.jpg.jpg?w=300\" class=\"smg-interstitial-link__image wp-post-image\" alt=\"\" \/>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"smg-interstitial-link__content\">\n\t\t\t\t<span class=\"smg-interstitial-link__kicker\">Related<\/span>\n\t\t\t\t<h3 class=\"smg-interstitial-link__title\">Is military service creditable in a FERS retirement?<\/h3>\n\t\t\t\t\t\t\t\t\t<p class=\"smg-interstitial-link__excerpt\">Eligibility is determined by your age and number of years of service.  In some cases, you must have reached the Minimum Retirement Age (MRA).<\/p>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/a>\n\t<\/aside>\n\t\n\n\n<p class=\"wp-block-paragraph\">Got a question for the Federal Times expert? Send inquiries to: <a href=\"mailto:fedexperts@federaltimes.com\">fedexperts@federaltimes.com<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><i>Reg Jones, a charter member of the senior executive service, is the resident expert on retirement and the federal government at Federal Times. From 1979 until 1995, he served as an assistant director of the U.S. Office of Personnel Management handling recruiting and examining, white and blue collar pay, retirement, insurance and other issues. Opinions expressed are his own.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Federal Employees&#8217; Retirement System, or FERS, is the retirement system for employees within the U.S. civil service.<\/p>\n","protected":false},"author":7,"featured_media":73497,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_acf":"","_yoast_wpseo_primary_category":25,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","_smg_distribution_targets":[]},"categories":[11,56,31,59,25],"tags":[],"coauthors":[3315],"class_list":["post-27544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fedlife","category-financial-planning","category-home","category-retirement","category-your-career"],"acf":{"subheadline":"","legacy_arc_id":"RCF6W3XIYNG2FJYGZMBTHZ5XDI","arc_canonical_url":"\/your-career\/2023\/10\/05\/have-i-served-long-enough-to-qualify-for-a-federal-retirement\/","remove_feature_photo":false,"is_sponsored":false,"subtype":"","redirect_url":"","disable_inline_ads":false,"native_logo_pretext":"Presented By:"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.0 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Have I worked long enough to qualify for a federal retirement? - Federal Times<\/title>\n<meta name=\"description\" content=\"The Federal Employees&#039; Retirement System, or FERS, is the retirement system for employees within the U.S. civil service.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Have I worked long enough to qualify for a federal retirement?\" \/>\n<meta property=\"og:description\" content=\"The Federal Employees&#039; Retirement System, or FERS, is the retirement system for employees within the U.S. civil service.\" \/>\n<meta property=\"og:url\" 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