Buyout or disability retirement?


Q. I am a federal worker who has multiple sclerosis. I would be eligible for disability retirement, but my boss just informed me that I am eligible for a buyout from our agency, the Administrative Office of U.S. Courts. I’ve worked there for about 17 years. I am only 45 years old and am confused as to which is the most advantageous option.

A. Because you have a disability that would make you eligible for disability retirement, you aren’t eligible for a buyout. Your only option is to apply for disability retirement.


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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

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