Disability retirement


Q. How does it work if you are approved for FERS disability retirement but not approved for Social Security Disability Insurance?

A. If you aren’t approved for Social Security Disability Insurance, here’s how your FERS annuity will be computed: For the first 12 months you’ll receive 60 percent of your high-3. After the first 12 months you’ll receive 40 percent of your high-3. When you reach age 62, your benefit will be recomputed as if you had worked to 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.


  1. Thanks for helping me kind of understand the social security,
    As a 72 yo USPS still on OWCP.
    The Postal Svc is wanting me to do a “disability retirement” or return to work.
    My Drs have all agreed this is a total disability from OJI/corrective back surgery with cerebellum stroke during the surgery, 2007. Separated from the USPS, 2008.
    I am wanting to stay on OWCP.
    Any advice for a disabled USPS with 28 years with the Tampa, FL PO?
    I don’t want to be coerced into something that would not be in my interest.
    Thanks, so much.

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