Q. I have a physical problem that may be classified as a disability. I’m 57 with 37 years of federal service, mostly with the U.S. Postal Service except for four years military. Are there any advantages in USPS disability for me, as I have passed my MRA?
A. If you were approved for disability retirement, your annuity would be calculated as follows:
For the first 12 months, 60 percent of your high-3, minus 100 percent of any Social Security disability benefit.
After the first 12 months, 40 percent of your high-3, minus 60 percent of any Social Security disability benefit.
At age 62, you disability benefit would be converted to a regular retirement benefit, increased by any COLAs payable since your retired on disability.
You regular retirement would be based on the following formula:
.01 X your high-3 X your years and full months of service
You didn’t mention if you had made a deposit to get credit for your active duty service. if you did, you’d use 37 as your years of service. If you didn’t, you’d use 33.
When you do the arithmetic, you’ll find out which option is best for you.