What are the deferred retirement rules for CSRS?
If you leave federal service before being eligible for retirement and leave the money you contributed toward CSRS in the retirement fund, you will be eligible for an annuity that starts at age 62 (note: you also must have completed at least five years of creditable civilian service and have been covered by CSRS for at least one year within the two-year period immediately before separating). The value of this benefit is set according to your highest three salary years (high-3) and creditable service when you left; it is not adjusted for inflation, overall salary growth or any other factor. Unused sick leave is not credited in the calculation of a deferred benefit.