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Do any of our Federal CSRS people, either retired or still working in the salt mines, have any contacts on the outside, (or inside), that can help with figuring out what your actual take home pay will be after pulling the plug? I went over 30 years service last October but OPM comes up with significantly different pay figures than I do.

Any assistance/contacts is appreciated, in advance. Thanks.
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To get in the ballpark: Determine your high 3 year average income. Include base pay and locality pay but no bonuses or overtime. Multiply by (2%*the years of service - 3.75%). For 30 years this will be 56.25% of your annual pay. If you have a living spouse or former spouse, multiply by about 90%. (The number is something like 100% of the previous number minus $90 minus 10% of the amount of your high 3 year average above $3600). That pays for a survivor annuity to your spouse after you die. If you are under 55 years of age, you subtract another 2% per year under age 55.

Of course, you still have FEHB (medical insurance) to pay for (the same amount as if you were still working) and FEGLI (life insurance) and income tax withholding. Also, the checks are monthly.

I hope that this helps. JWR
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You may be getting interim payments right now. After the OPM has your paperwork but before they have finished processing it, they make interim payments of 75% to 80% of your eventual annuity. During the interim period, they do not make FEHB or FEGLI deductions. After they finish their work, they send the actual annuity (with deductions) and they make up any amount that they owe you.

I hope that this is what happened. If so, bigger checks will be on their way.

JWR
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