Disability and SSDI payments


Q. I retired with FERS disability and was also approved for SSDI. I am receiving checks from both places, and I do not know if this is the way it normally is because in my FERS retirement benefits book, it appears that they have taken the Social Security payments into account. I called the Social Security Administration to let them know that I was approved through the Office of Personnel Management, and I sent the paperwork given to me from SSA to the folks at OPM. Will I continue to get a check from each, as it equals 60 percent of my high-3, or do I need to try to call someone again?

A. Here are the rules for anyone who has been approved for FERS disability retirement and SSDI:

  • For the first 12 months, you’ll receive 60 percent of your high-3 minus 100 percent of your SSDI benefit.
  • After 12 months and up to age 62, you’ll receive 40 percent of your high-3 minus 60 percent of your SSDI benefit.

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. What happens when a SSDI and FERS disability insured reaches age 62? Specifically, Is there still an offset after the recalculation of benefits or are unreduced values paid from that point in time forward?

  2. Do you have to provide total disable medical to OWCP before I elected to switch from FERS’s (OPM) disability?
    Also, just approved for SSDI what happens if OPM doesn’t calculate the offset(overpayment if I switch will OWCP pick up the overpayment. Also, can you elect to go from OPM and SSDI back to OWCP since SSDI?

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