FERS vs CSRS Pension Formula: 1% vs 1.1% vs 1.5% Multiplier | Episode 8
Автор: GERBC
Загружено: 2026-01-28
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Once you understand high-3, the next big piece of your pension estimate is the multiplier — and CSRS and FERS use different multipliers that can significantly change your lifetime benefit.
In Episode 8, we break down the pension formula for both systems and explain how age, service time, and retirement timing affect the percentage you receive.
In this video, you’ll learn:
The base pension formula: High-3 × Years of Service × Multiplier
FERS multiplier: typically 1%
FERS 1.1% rule: if you retire at age 62+ with 20+ years, your multiplier increases to 1.1%
CSRS multiplier structure: commonly explained as 1.5% / 1.75% / 2% tiers based on years of service
Why CSRS pensions often appear larger (and how that ties back to employee contributions and Social Security participation)
✅ Want help estimating your pension and choosing the right retirement timing strategy?
https://www.yourgerbc.com/
Disclosure: This content is for educational purposes only. GERBC is not affiliated with or endorsed by the U.S. federal government or any agency.
#FederalRetirement #FERS #CSRS #FederalPension #PensionFormula #High3 #RetirementPlanning #OPM #FederalEmployee #GovernmentBenefits
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