I am confused about how the timing of the purchase of military service will affect the projected retirement income.

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I am confused about how the timing of the purchase of military service will affect the projected retirement income. I purchased my military time about 6 years ago. When I became 80 and out eligible (because of the purchase) the computations were based on my highest 36 months of pay. Had I waited until now to purchase the time my highest 36 months are the most recent, not those that were computed to make me eligible for 80 and out. Should employees wait to make the purchase so the computations are based on the most recent (typically highest) earnings?
The timing of your military purchase is unrelated to your highest 36 months of salary. Your military service helped you reach “80 and out” sooner than if you had decided not to purchase the service, but there is no relationship between the timing of your service credit purchase and the salary used to determine your retirement benefit. The primary timing issue for you to consider when making a service purchase is that you need to know the longer you wait the more it will cost. In other words, it is often to your advantage, in terms of cost, to purchase service sooner rather than later to avoid additional interest costs. Print Friendly and PDF