Disability retirement


Q. I’m 59 (60 in September of this year) and have over 20 years of service. I also have a degenerative disc disease, need total knee replacement. My job has accommodated my work life to allow work from home because I cannot navigate the large building. I want to medically retire, but haven’t a clue where to start.

A. Your agency personnel office is required to help you through the steps needed to apply for disability retirement. However, if you reach age 60 during the process, you will have met the age and service requirement for voluntary retirement. Then your annuity would be calculated using the earned annuity formula. See BAL-14-104: https://www.opm.gov/retirement-services/publications-forms/benefits-administration-letters/2014/14-104.pdf


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.


  1. I was medically retired from military after 6 years of service with 30% disability but I opted for VA payment over military retired pay as VA payments were tax free. So, can I buy back my military time for my GS job since I am not receiving any retirement pay from DFAS?

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