USPS NOTICE TO EMPLOYEES: CSRS / FERS Civilian Service Deposits and Redeposits  

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CSRS CIVILIAN SERVICE DEPOSITS AND REDEPOSITS

  • Did you perform Federal civilian service for which retirement deductions were not paid?
  • Did you perform Federal civilian service and receive a lump sum refund of your retirement contributions?
  • Did you have civilian service under another Federal Retirement System?

If you answered “Yes” to any of these questions, this information is for you!

CIVIL SERVICE RETIREMENT SYSTEM (CSRS)

Nondeduction Service (retirement deductions were not withheld from your pay)
Deposit for Service Ending Before October 1, 1982

If you had non-career service ending before October 1, 1982, for which retirement contributions were not paid, your service is creditable for retirement eligibility and computation of your annuity benefit whether or not you pay a deposit to the Office of Personnel Management (OPM). However, if you do not pay the deposit plus accrued interest in full, your annuity benefit and any annuity due to your surviving spouse will be reduced by 10 percent of the deposit amount due at retirement.

Deposit for Service Ending On or After October 1, 1982
If you had non-career service ending on or after October 1, 1982, for which retirement contributions were not paid, your service is creditable for retirement eligibility whether or not you pay a deposit to OPM. However, if you do not pay the deposit plus accrued interest in full, this period of service will not be used in the computation of your annuity benefit or any annuity due to your surviving spouse.

Amount of Deposit
The amount of the deposit is the sum of the retirement deductions that would have been withheld from your pay if you had been covered by CSRS plus interest.

Refunded Service (you separated and received a refund of your retirement contributions)

Refunded Service Ending Before March 1, 1991
If you had service ending before March 1, 1991, for which you paid retirement contributions, and then you separated and received a refund of those contributions, your service is creditable for retirement eligibility and annuity computation whether or not you pay a redeposit to OPM, unless you retire under the disability provisions of the law. However, if you do not pay the redeposit plus accrued interest in full, your annuity benefit will be subject to a permanent actuarial reduction based on your age at retirement and the amount of redeposit and interest due. The actuarial reduction will not be applied to any annuity due your surviving spouse.

Refunded Service Ending On or After March 1, 1991
If you had service on or after March 1, 1991, for which you paid retirement contributions, and then you separated and received a refund of those contributions, your service is creditable for retirement eligibility whether or not you pay a deposit to OPM. However, if you do not pay the deposit plus accrued interest in full, this period of service will not be used in the computation of your annuity benefit or any annuity due your surviving spouse.

Amount of Redeposit
The amount of the redeposit is the sum of the refunded deductions plus interest.

Service Under Other Contributory Retirement Systems
Generally, civilian service as a Federal employee performed under another Federal retirement system for government employees is potentially creditable.

FERS CIVILIAN SERVICE DEPOSITS AND REDEPOSITS

  • Did you perform Federal civilian service before January 1, 1989, for which retirement deductions were not paid?
  • Did you perform Federal civilian service and receive a lump sum refund of your retirement contributions?
  • Did you have civilian service under another Federal Retirement System?

If you answered “Yes” to any of these questions, this information is for you!

FEDERAL EMPLOYEES RETIREMENT SYSTEM (FERS)

Nondeduction Service (retirement deductions were not withheld from your pay)
Deposit for Service Ending Before January 1, 1989
If you had non-career service ending before January 1, 1989, for which retirement contributions were not paid, your service will not be creditable for retirement eligibility or computation of your annuity benefit, or any annuity due your surviving spouse, unless you pay the amount of deposit plus accrued interest to the Office of Personnel Management (OPM).

Amount of Deposit
The amount of the deposit is the sum of the retirement deductions that would have been withheld from your pay if you had been covered by FERS plus interest.

Deposit for Service Ending On or After January 1, 1989
If you had non-career service ending on or after January 1, 1989, for which retirement contributions were not paid, you cannot make a deposit for this service and your service is not creditable for retirement eligibility or computation of your annuity benefit or any annuity due to your surviving spouse.

If you transferred to FERS from CSRS, please refer to the deposit rules for CSRS deposits.

Refunded Service (you separated and received a refund of your retirement contributions)
If you had service for which you paid retirement contributions, and then you separated and received a refund of those contributions, your service is creditable for retirement eligibility whether or not you make a redeposit to OPM. However, if you do not pay the redeposit plus accrued interest in full, this period of service will not be used in the computation of your annuity benefit or any annuity due your surviving spouse.

Amount of Redeposit
The amount of the redeposit is the sum of the refunded deductions plus interest.

Service Under Other Contributory Retirement Systems
Generally, civilian service as a Federal employee performed under another Federal retirement system for government employees is potentially creditable.

IF YOU ARE INTERESTED IN OBTAINING MORE INFORMATION, PLEASE CONTACT THE HR SHARED SERVICE CENTER (HRSSC) AT 877-477-3273, OPTION 5. THE HRSSC CANNOT TELL YOU THE AMOUNT OF YOUR DEPOSIT OR REDEPOSIT — ONLY OPM CAN CALCULATE THOSE AMOUNTS — BUT YOU MUST CONTACT THE HRSSC TO START THE DEPOSIT OR REDEPOSIT PROCESS.*
*If you have military service and you have not paid a deposit to the Postal Service™ for this period(s) of service, please contact the HRSSC for more information.

Source: USPS.com

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