Originally Posted by
LJ4Life
I have ~14 years AD with another 3 ANG, and about 6 months as a GS employee. I was considering doing at least 4.5 more GS years and buying back my mil time to earn the FERS pension. I'm still in the ANG and plan on getting at least 20 years of mil service.
Your buy back time doesn’t count towards your 6C retirement. Have to work 20 years as an AIA to get the full %. I’m not sure if it even counts towards your 5 year vested retirement. If so you would get 15% of your high three years. With the buyback and 20 years 6C you'd get 48%.
Remember that 6C coverage earns 1.7% per year. If you leave before 20 you forfeit that .7%/year. Also new FERS hires pay a much higher percentage of their gross into the system (4.4% for people hired after 2013 vs. 0.8%) makes it not a good deal at all to come short term.
In your situation I’d be looking for a non-LEO flying job. Better yet do 6 more active duty and get a full military retirement. Much higher pension and bennies for just 18 more months time.