Voluntary vs. disability retirement


Q. Is there an advantage to taking a disability retirement vs. a regular voluntary retirement? I am a 60-year-old Postal Service employee under CSRS with 38 years of service. My doctor agrees that I can no longer perform my job and will back me if I go for disability, but is it better financially one way or the other?

A. It doesn’t make a bit of difference financially. However, there’s far less hassle in retiring voluntarily than there is in applying for disability retirement.


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


    • There might be a slight financial advantage to going on disability retirement; however at age 62 your disability retirement would be converted to a regular retirement.

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