Disability benefit conversion


Q. I retired on FERS disability at age 45 with 18 years of service. I am now 56. How and when will my disability be recalculated to a regular retirement? I also receive Social Security disability minus the offset for age. Will I get my full retirement and full Social Security benefits when I am eligible?

A. Your disability benefit will end at age 62, and that benefit will be recomputed as if you had worked to age 62. As a result, your actual service will be added to your time on the disability rolls. The total time will be multiplied by 1 percent (1.1 percent if your actual service plus disability retirement time equals 20 or more years of service). The total percentage amount will be multiplied by your High-3 on the day you went on the disability rolls and increased by any cost-of-living adjustment payable from that time to age 62. You will continue to receive the Social Security benefit of which you are currently entitled, and, like your retirement benefit, it will be increased by any subsequent cost-of-living adjustments.


About Author

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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