FERS and Social Security


Q. I am a 47-year old female and will be applying for a Social Security disability.  I have always worked at a job where Social Security taxes were taken out, so I assume I will not be effected by the Windfall Elimination Provision.  I have worked for the Postal Service since 1997 and am covered by FERS.  My Social Security earnings record starts in 1978.  How will my annuity effect my Social Security disability?  I am confused with all the formulas and rules.

A. If you are approved for FERS disability retirement and a Social Security disability benefit, for the first 12 months on FERS disability retirement, you would receive 60 percent of your high-3 average salary, minus 100 percent of any Social Security disability benefit. After the first 12 months, you’ll receive 40 percent of your high-3, minus 60 percent of any Social Security disability benefit.


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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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