Section 842.403 - Computation of basic annuity(a) Except as provided in paragraph (b) of this section and §§ 842.405 and 842.406 , the annuity of an employee or Member is 1 percent of average pay multiplied by total service.(b) The annuity of an employee is 1.1 percent of average pay multiplied by total service, provided the individual-(1) Has completed 20 years of service; and(2) At the time of separation on which entitlement to an annuity is based- (i) Is at least age 62; and(ii) Is not a customs and border protection officer, a Member, Congressional employee, military reserve technician, law enforcement officer, firefighter, nuclear materials courier, or air traffic controller.52 FR 4475, Feb. 11, 1987, as amended at 76 FR 42000 , July 18, 2011