I worked for the federal government from 1995 to 2000. I turn 62 in 2024. I spent my entire federal career at Nevada. I live there now. I approached that office to ask when I should begin my application for a federal pension and which office to send the required documentation to. Human resource staff at that office told me to contact OPM directly since I am no longer an active federal employee. I did not receive any information as to when I should being my federal pension application to obtain pension benefits beginning in September of 2024 – David
FERS Disability Retirement is a benefit designed for federal workers who cannot continue doing their jobs due to health problems. Unlike workers’ compensation, which is specific to injuries that happen at work, FERS Disability Retirement can be helpful even if your health issue didn’t arise from your job.
Who Can Get FERS Disability Retirement?
To qualify for FERS Disability Retirement, you must meet the following criteria:
- Have worked for the government for at least 18 months
- Have a health condition that prevents you from performing your job
- Expect the health problem to last for at least one year
- Be unable to adjust your job to accommodate your health condition
- Apply within one year of leaving your job
- Apply for Social Security Disability Insurance (SSDI) at the same time
How Much Money Will You Get?
The amount you receive depends on factors such as how long you’ve worked, your age, and your earnings. Here’s how the benefit is structured:
- For the first year: You receive 60% of your highest average salary over three years, minus any SSDI money you receive
- After the first year and until you’re 62: You receive 40% of your highest average salary, minus some SSDI money
- At age 62: Your benefit is recalculated as if you had continued working until you turned 62
Important Things to Know
- Your benefit might be reduced if you also receive Social Security money
- Doctors may periodically check on your health status
- If you return to work and earn a significant income, your benefit could be affected
- Your family may be eligible to receive benefits if you pass away
How to Apply
To apply for FERS Disability Retirement, you need to fill out several forms and submit them to the government. These forms include:
- SF 3107: The main application form
- SF 3112: A form detailing your health issue
- Proof that you applied for SSDI
It’s a good idea to seek assistance from someone who is familiar with these benefits when submitting your application.
Conclusion
FERS Disability Retirement provides financial assistance if you’re unable to work due to a health problem. It’s important to understand how the program works and how to apply. For more information, visit the OPM website.
References
U.S. Office of Personnel Management – FERS Disability Retirement.
U.S. Office of Personnel Management – FERS Retirement Benefits.
ABOUT THE AUTHOR
Micah Shilanski, CFP®, is a distinguished financial planner known for his deep commitment to providing exceptional advisory services to his clients. As the founder of Plan Your Federal Retirement, Micah has dedicated his career to helping federal employees understand and optimize their benefits to ensure a secure and prosperous retirement. His expertise is widely recognized in the industry, making him a sought-after speaker and educator on financial planning and retirement strategies.
Micah’s approach is client-centered, focusing on creating personalized strategies that address each individual’s unique needs. His work emphasizes the importance of comprehensive planning, incorporating aspects of tax strategy, investment management, and risk assessment to guide clients toward achieving their financial goals.