Change in Work Schedule from Full-Time to Part-Time
Affect on Benefits
This fact sheet will discuss the impact of your work schedule on your Federal benefits. At the end of
the document is a chart reflecting an example of a full-time work schedule as compared to a part time
work schedule. If you have any questions about this information, please contact your assigned
Benefits Staff member.
Contributions: If you are covered under the Civil Service Retirement System (CSRS) or Federal
Employees' Retirement System (FERS) prior to your change in work schedule, your coverage will
continue. Your percentage contribution to the retirement system will remain the same (i.e. CSRS is
7% of your bi-weekly gross base pay, FERS Basic Benefit Plan is .8% of your bi-weekly gross base
pay). Since the reduced hours will result in a reduced bi-weekly gross base pay, the amount of the
contribution will decrease proportionately.
Retirement eligibility: In determining eligibility for retirement, part-time service is credited the
same as full-time service. In other words, 20 years of service is 20 years, regardless of whether it
was full-time or part-time.
Computing retirement benefits: In computing retirement benefits, the retirement calculation is based
on your total years and months of creditable Federal (civilian and/or military) service and your "high
3" average salary (which is the 3 years of highest base pay or salary you earned in any consecutive 3-
year period). (Please note that the explanation below is a simplification of the benefit calculation and
that the actual calculation is complex.)
CSRS: In computing a CSRS part-time benefit, your service will be divided into two parts: part-
time service worked prior to April 7, 1986, and part-time service worked on/after April 7, 1986.
Part-time service worked prior to April 7, 1986, is treated as full-time service. In computing the
high 3 average salary, the 3-year period, during your entire Federal career th