Q. I am 56 years old, and a widow. I’m working my fourth year as a U.S. Postal Service regular carrier. I worked five years as a rural carrier associate before that, one full year as a sub on my primary sub route, where the regular was not there. As I understand it, I have to work five years in order to be vested in my TSP contributions. True?
A. You are always immediately vested in your TSP contributions and your agency’s matching contributions. Your 1 percent automatic agency contributions are yours to keep after you have completed three years of federal service.