Disability benefits


Q. If I’m approved for disability retirement, what would my benefit be?

A. The formula in law requires that for the first 12 months a FERS disability annuitant will receive 60 percent of his or her high-3 minus 100 percent of any Social Security disability benefit and, from that point forward to age 62, 40 percent of the high-3 minus 60 percent of any Social Security disability benefit. If no Social Security disability benefit is due, the disability annuitant would receive 60 percent of the high-3 for the first 12 months and 40 percent thereafter. That benefit would be increased by COLAs. At age 62, the disability benefit would be converted to a regular annuity using the 1.1 percent multiplier.


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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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