Q: I am a recently disabled 58-year-old letter carrier with 28 years of service. Since I reached my MRA at age 56, am I considered eligible for “voluntary” retirement under the FERS disability rules? I take that to mean I would only receive roughly $1,200 a month with no Social Security supplement, as opposed to 60 percent of my salary if I was under age 56. After reading your archived FERS disability articles, I am still unclear on this particular issue.
A: If you retired voluntarily, you would be doing so under the MRA+10 provision (minimum retirement age and at least 10, but fewer than 30, years of service). As a result, your annuity would be reduced by 5 percent for every year you were under age 62.