FERS and SS disability


Q. Will my regular FERS retirement, when it exceeds FERS disability, be converted from disability to retirement?  Since I am on FERS disability, my tenure continues to run.  How will the supplemental SS portion of my FERS retirement be affected by the SSDI payment?  SSDI does not change until I recover or reach 65.

A. Your FERS disability annuity automatically converts to a regular FERS annuity at age 62. Your disability annuity would be converted to a regular annuity. Your actual service would be added to the time spent on the disability rolls and the total multiplied by 1 percent. The product would be multiplied by your high-3 when you went on disability and be increased by all FERS cost-of-living increases payable from that time to age 62. On the other hand, if you were to claim that you’d recovered from your disability and then applied for a discontinued service annuity, it would be computed using your years of service and high-3 on the day you went on disability, with no FERS COLAs included for the period you were on disability retirement.



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 went out on retirement disability with 19 years and 5 months of fers service. I am 53 years old. If I were deemed recovered would my time on disability be added to my 19 and 5 months as service months for other retirement options?

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