Discontinued service retirement vs. disability retirement


Q. What is the difference financially between discontinued service retirement and disability retirement? I am 55 with 25 years of service under FERS. My high-3 is as a GS11-07.

A. As a discontinued service retiree, you’d receive 25 percent of your high-3. As a disability annuitant, you’d receive 60 percent of your high-3, minus 100 percent of any Social Security disability benefit for which you qualified.


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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.


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