LWOP and disability retirement


Q. I work for the U.S. Postal service and I’m applying for disability retirement. Re: the high 3 year average. ,y pay rate is $58,350 for 2017. For the last 3 or 4 years I’ve been using LWOP a lot and my yearly income has hovered around $40,000 a year. Do they use my pay rate of $58,350 (it was around $58,000 for 3 consecutive years) or do they use the $40,000 figure to arrive at the 3 year average? In other words, would LWOP effect my disability retirement income? Thanks for any help.

A. Your high-3 will be based on the average of your highest three consecutive years of pay, regardless of when they occurred in your career.


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.


    • I retired as a letter carrier April 29, 2016. I was very sick for the past four years and LWOPed a lot…. my pay did the same exact thing; but, I made it to age 56 and retired immediately. I retired regular FERS with 33 years which included 10.8
      military service. My SRS was only $685 a month because HR & I failed to understand that the SRS is determined by the amount of years served at the Postal Service. I was just approved for SSDI which will have no effect on my Regular FERS retirement. However, if you retire FERS disability, there will be a huge offset. I have a friend who only gets her SSDI and no retirement. In a sense, that is good because the SSDI is not taxed, but, IF u can struggle through to meet your minimum retirement age, I recommend that highly. Transfer within the Postal Service and get an easier job.

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