Q. I’ve been with the U.S. Postal Service over 16 years under FERS and am 63 years of age. I injured myself on the job and am currently on workman’s comp and working part-time. I injured my back and was diagnosed permanent for my back injury. My question is what would be more beneficial: disability retirement or regular retirement. Would I lose my retirement benefits choosing disability retirement?
A. Because of your age, you aren’t eligible for a disability retirement benefit. That’s because FERS disability annuities are automatically converted to regular annuities at age 62. Therefore, if you want to leave, your only option is to retire on an immediate annuity.