VOL. III - Service Credit Chapter - Downloaded 22 May 2018. Civil Service Retirement System (CSRS) and Federal Employees Retirement System (FERS) Handbook for Personnel and Payroll Offices The Office of Personnel Management (OPM) is the human resources agency and personnel policy manager for the Federal Government. OPM directs human resources and employee management services, administers retirement benefits, manages healthcare and insurance programs, oversees merit-based and inclusive hiring into the civil service. This Handbook consists of 10 Volumes as follows: VOL. I - Administrative Chapters VOL. II - Coverage Chapters VOL. III - Service Credit Chapter VOL. IV - Contributions Chapters VOL. V - Retirement Eligibility Chapters VOL. VI - Computation of Benefits Chapters VOL. VII - Disability Benefits Chapters VOL. VIII - Death Benefits Chapters VOL. IX - Record Keeping Chapters VOL. X - Miscellaneous First you gotta find a good clean (legible) copy and make sure it's the latest version (not always easy). Some documents found on the web are missing some pages or the image quality is so poor, they are difficult to read. We look over each document carefully and replace poor quality images by going back to the original source document. We proof each document to make sure it's all there - including all changes. If you find a good copy, you could print it using a network printer you share with 100 other people (typically its either out of paper or toner). If it's just a 10-page document, no problem, but if it's 250-pages, you will need to punch 3 holes in all those pages and put it in a 3-ring binder. Takes at least an hour. This book includes original commentary which is copyright material. Note that government documents are in the public domain. We print these large documents as a service so you don't have to. The books are compact, tightly-bound, full-size (8 1/2 by 11 inches), with large text and glossy covers. 4th Watch Publishing Co. is a SDVOSB. Without positive feedback from the community, we may discontinue the service and y'all can go back to printing these books manually yourselves.