FERS disability and Social Security


Q: I am 65 years old and have applied for and expect to receive Federal Employees Retirement System disability retirement benefits. In October, I will turn 66 and will begin receiving Social Security retirement benefits. Will my FERS disability benefits be reduced by my SS retirement benefits?

A: Because you are already age 62 or older, if you are approved for disability retirement and have fewer that 20 years of service, you’ll receive your earned annuity based on the standard FERS formula: 0.01 x your high-3 x your years and full months of service. If you have 20 or more years of service, the multiplier will be increased to 0.011. You will also be able to receive any Social Security benefit to which you are entitled. There won’t be any reduction in either benefit.


About Author

Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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