Last reviewed 2026-04-30 · Reading level: grade 7.6 (computed)
Buying service
Buying service can raise your future pension. Here is how the process works and what it typically costs.
"Service" means the years counted toward your pension. Some past work — a leave, a temporary layoff, or time at another public-sector employer — may not be counted automatically.
Buying service means paying to add that time to your record. A longer service record usually means a larger monthly pension later.
How it works
- Check what you're eligible to buyNot all past work qualifies. Your plan statement lists any eligible gaps.
- Request a cost estimateThe cost depends on your salary and how long ago the service happened.
- Decide how to payYou can usually pay in a lump sum or through payroll deductions over time.
- Confirm the purchaseOnce you accept the quoted cost, the service is added to your record.
Try the planning tool first
The estimator can give you an illustrative, non-binding sense of how buying service might affect your future pension before you request a real quote.
Illustrative planning tool
See a rough, non-binding estimate based on numbers you enter.
Open the planning toolRelated pages
- Getting started with the planWhat happens when you join, and the choices you can make early on.
- Planning your retirementWhat to think about in the years before you retire, and how your pension is calculated.
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