Q. I am on disability retirement and disability Social Security. I will be 62 next year. How much will my retirement be?

A. When you reach age 62, your FERS disability benefit will be recomputed as if you had worked to age 62. Therefore, your actual service will be added to the time you spent on disability. The total time will be multiplied by 1.0 percent (1.1 percent if your combined actual service and time on disability add up to 20 at least 20 years.) That figure will then be multiplied by your high-3 salary on the day you were found disabled. This dollar figure will be increased by any cost-of-living increases paid to FERS retirees since you retired on disability. Your Social Security benefit will continue and it, too, will be increased by any COLAs.


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Reg Jones was head of retirement and insurance policy at the Office of Personnel Management. Email your retirement-related questions to fedexperts@federaltimes.com.

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