NJ Department of Military and Veterans Affairs
   Human Resources Office
Employee Relations » Retirement

Retirement and Separation


The National Guard Technician Program consists of two retirement systems, the Civil Service Retirement System (CSRS) and the Federal Employees Retirement System (FERS).  The Civil Service Retirement System covers National Guard Technicians employed prior to 1 January 1984.  If you are just entering the Federal system, you will be in the Federal Employees Retirement System.  Both CSRS and FERS provide the technician a measure of income protection in case of disability. Both retirement systems will provide for your family in case of death and will pay you an annuity after your retirement.  Each Technician contributes 7% of gross pay towards retirement.  For FERS employees, 6.2% pays for the Social Security portion of retirement and 0.8 % is for the FERS retirement fund.

CIVIL SERVICE RETIREMENT SYSTEM (CSRS): Your age and number of years of federal service determine your eligibility for retirement. To be eligible for an immediate annuity you must be: (Voluntary CSRS Retirement) Age 62 with 5 years service, Age 60 with 20 years service, or Age 55 with 30 years service.

Involuntary CSRS Retirement: Involuntary Retirements occur if a technician loses military membership for reasons NOT related to misconduct or non-performance. When this occurs, and the CSRS technician is age 50 with 20 years of federal service, or any age with 25 years of service, he/she is eligible for an immediate retirement annuity. However, there is a 2% reduction in your retirement annuity for each year your age is under 55.

For more information concerning CSRS visit: www.opm.gov/retire/html/retirement/csrs.html


FEDERAL EMPLOYEE RETIREMENT SYSTEM (FERS): The FERS retirement is a three-tiered program including FERS, Social Security and the Thrift Savings Plan. The rule of thumb to determine the FERS basic benefit annuity is 1 percent of the high-three average salary multiplied by length of creditable service. For example, if you are a FERS technician and you work for 20 years, your retirement annuity will be 20% of your average “high 3”.

FERS Voluntary/Optional Retirement: With 30 years of service the Minimum Retirement Age is between 55-57 depending if you were born before 1969.  With 20 years of service the MRA is 60.  With 5 years the MRA is 62.  Also there is the MRA +10 Retirement which applies FERS employees only.  You must be meet the minimum age of retirement and your Annuity is reduced 5% for every year under the age 62.  This is a voluntary retirement with a minimum of 10 years service and a minimum of 5 years creditable civilian service required.

For more information concerning FERS visit: www.opm.gov/retire/pre/fers/index.asp


FEDERAL EMPLOYEE RETIREMENT SYSTEM (FERS) Sick Leave Credit Becomes Law
President Obama signed legislation on October 28, 2009 that allows federal workers who retire under the Federal Employees Retirement System (FERS) to receive credit for sick leave when they retire.  The law allows FERS covered workers to receive 50% credit for unused sick leave until December 31, 2013.  Starting on January 1, 2014 FERS employees will receive full credit for unused sick leave at retirement.