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.