@Senchen from what I understand, they take the top three consecutive high earning years. That is not always the last three and it's not a Jan to Dec calendar year. It's the true top three consecutive 36 months. It's more of collect you top three earning years a the SF50s you got during those years, the one you got when you recover a step increase for example. They compute the amount of actual days with the amount you were earning on those days, add it all up, divide by theee, and that's the figure that goes into the calculation for the retirement amount. If you have been here 20 or more years it's a 1.1% and less than 20 it's 1%. They take that number, multiply it by the amount of years you worked, and then divide that by 12 for your monthly pension. Your FEHB and FEGLI will come out of that.