Q. I was hurt on the job as a federal worker. This injury has forced me to take a FERS disability retirement as I cannot perform my function. When I turn 62, do I lose my disability pay and must I rely on what normal retirement I would have had (not enough to live on)?
A. I think you misunderstand how the process works. When you reach age 62, an artificial retirement benefit will be calculated as though you had worked to age 62. To do that, your actual service will be added to the time you spent on disability retirement. The total time will be multiplied by 1 percent, and that product will be multiplied by your high-3 existing at the onset of your disability. That figure will be increased by all FERS cost-of-living adjustments payable from that time to age 62.