In order for someone under the CSRS to get 80% of their pay during retirement, you would have to work 42 years. I worked 41 years and I get around 78% minus my wifes survivor benefit, so the final amount comes to around 73-74%. Assuming someone retired under FERS at age 62, 1.1% is the multiplier, not the amount you will receive. Example...$80000 high 3 X (1.1 X your years of service) If someone worked 41 years, it would be 41 X 1.1 which equals 45.1%. 45.1 percent of your high 3 would be $36080 per year, plus your social security and thrift savings. I worked part time jobs during my career and paid social security tax and now with the Social Security Fairness act passed, I get full social security for the amount I contributed and the years I worked those part time jobs. Before the SSA Fairness act, I had a 60% reduction in my SSA benefit. That Fairness act fixed that. I still only get a small amount because I only contributed to SSA for around 12 years. I think FERS is a very good retirement system, especially if you can work under it for many years and faithfully contributed to thrift savings and took advantage of the government match. I had the opportunity to switch to FERS in 1987 and looking back, I would have a better pension if I had done that.