Q. I’m a letter carrier with 32 years of federal service under FERS. I have 2½ years to go before I meet my minimum retirement age. I’m considering disability retirement because my health has been keeping me from work. What will I lose or gain (pros and cons) between regular retirement and disability retirement. Which is stronger financially?
A. FERS disability retirement provides the greater benefit, even for employees with as many years as you have. Note: If you file for FERS disability retirement, you must also file for Social Security disability benefits.