If you're a FERS employee, one of the most confusing parts of retirement planning is "creditable service." Most people assume every year they've worked for the government counts the same way toward their pension and retirement date. The reality under OPM's rules is very different. Misunderstanding what actually counts can move your retirement date by years and shrink your pension in ways that are hard to fix later.

In this episode, you'll learn the simple test for what usually counts, why unused sick leave helps your pension but not your eligibility, and the biggest traps around temporary time, nondeduction service, refunds, military time, and leave without pay. We'll keep it focused on the most common misunderstandings so you can spot red flags in your own work history without needing to become an OPM expert.

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When you're ready for one‑on‑one help, visit https://gtwealthguide.com/federal-blueprint to request your free Federal Retirement Blueprint.

We'll map out your federal benefits, TSP, Social Security, and tax plan on one page so you can retire from federal service without guessing.