Q. If you apply for disability retirement under FERS and Disability with Social Security as required, and Social Security denies you, will your FERS annuity still reduced by what you are supposed to get from Social Security anyway?
A. Denial of your application for Social Security disability benefits won’t have any affect on your FERS disability benefit. However, you need to understand the rules governing that benefit. For the first 12 months you’d get 60 percent of your high-3. After the first 12 months, you’d get 40 percent of your high-3. When you reached age 62, your benefit would be converted to a regular FERS annuity. That annuity would be calculated as if you had worked to age 62, and would be increased by any FERS COLAs payable from the time you went on disability to age 62..