Q. I am 72 years old and have 13 years of federal service, 10 with my agency. I am healthy expect for emphysema, which continues to affect my breathing. I have collected Social Security benefits since I was 65. I am considering retirement because the breathing issue makes it difficult for me to travel. Is federal disability retirement an option for me or should I just consider normal retirement?
A. Because you are over age 62, there wouldn’t be any difference in the benefits you’d receive as a disability or regular retiree. The annuities would both be based on your actual service and computed using the standard formula.