Disability and pension access


Q. I have been receiving Social Security Disability Insurance for a total disability since 2008. From 1981 to 1989, I was a CSRS offset employee in the USPS. When I tried to apply for my CSRS pension, I was informed by letter that I had to wait until I reached age 62, which is unlikely, or withdraw the small amount I contributed as a lump sum. Is it not possible to apply for and receive my CSRS pension when completely disabled? I have read CSRS Pamphlet No. 7 and searched the website Q&A, and I am very confused.

A. What you were told is correct. The fact that you are receiving SSDI is irrelevant. Because you had at least five but fewer than 20 years of CSRS offset service, you would only be eligible for a deferred annuity at age 62.


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.

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