Not affiliated with The United States Office of Personnel Management or any government agency

Not affiliated with The United States Office of Personnel Management or any government agency

Unused Sick Leave, What You Need to Know

Unused Sick Leave, What You Need To Know

LeaveIt is not uncommon for a federal employee to accumulate a sizeable amount of unused sick leave over their career. As sick leave can only be used for

  • personal medical needs
  • family care or bereavement
  • care of a family member with a serious health condition
  • adoption-related purposes

It may not be possible for a federal employee to use all their unused sick leave prior to retirement.

Unused sick leave can’t be used to add days to make you eligible to retire.  It is only added after you retire to increase your annuity amount.  In order to be used in your annuity calculation, you must have a minimum of 174 hours of unused sick leave.  174 hours is the equivalent of one full month.

For the purposes of calculating your retirement annuity, it is based on the years, months and days of total service.  Partial months or any days less than 30 are dropped from your annuity calculation unless unused sick leave can be added to make a total of 30 days.

·      Example: You retire with 24 years, 6 months and 24 days.  The 24 days would be dropped unless you had a minimum of 35 hours of unused sick leave which equates to 6 days.  This would make your total service for the purposes of calculating your annuity 24 years, 7 months.

Unused sick leave can also be used to increase a CSRS annuity above the 80% maximum.  If a CSRS retiree has accumulated 2087 hours of unused sick leave this could add an additional 2% to their retirement annuity for a total of 82% of their average Hi-3 salary.

Unused sick leave has no cash value but it can be used to increase your total service for the purposes of increasing your retirement annuity.

 

Search for Public Sector Retirement Expert.

Receive the Best advice.

PSR Experts can help you determine if Public Sector Retirement is right for you or if you should look for alternatives.

The Best Advice creates
the best results.

Recent Articles

FAA, Law Enforcement, and Special Federal Employee Categories—Here’s What Makes Their Retirement Unique

Key Takeaways: Certain public-sector roles, like those in the FAA, law enforcement, and other special categories, come with unique retirement...

Blending Private and Public Sector Retirement Plans Is Complicated—Here’s Where Couples Get It Wrong

Key Takeaways Mixing public and private sector retirement plans requires a careful understanding of how each system works, particularly when...

The Silent Shift in Postal Service Retirement Benefits That Could Change Everything by 2026

Key Takeaways The Postal Service Health Benefits (PSHB) transition in 2025 has already altered the retirement landscape, but further significant...

Search For Public Sector Retirement Expert

Receive the Best advice.

PSR Experts can help you determine if
Public Sector Retirement is right for you or if you should
look for alternatives.

The Best Advice creates

the best results.

Subscribe to our Newsletter

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Our Readers Deserve The Best PSHB and USPS Health Benefits Guidance

Licensed insurance agents who understand PSHB, Medicare, and USPS Health Benefits Plan are encouraged to apply for a free listing.

Book Phone Consultation

"*" indicates required fields

This field is for validation purposes and should be left unchanged.

Get In Touch

Stay up to date on the latest information about Public Sector Retirement.

The Best Advice Creates The Best