• 1.7% of the high-3 average salary multiplied by 20; plus
    
• 1% of the high-3 average salary multiplied by any additional creditable service.

NOTE 1: A retiree annuity supplement is payable before age 62 in addition to the basic annuity.

NOTE 2: The 1.1% formula (for FERS employees who retire at age 62) does not apply to individuals who, at the time of the separation on which retirement is based, are law enforcement officers or firefighters.