By Reg Jones
Q. I am 46 years old and coming up on 23 years of federal law enforcement service. Under our retirement calendar, we must retire at age 57. I could retire voluntarily at 49 with 25 years of service. I am considering a disability retirement due to a recent injury that has left my body, which has had many prior on-the-job injuries, racked with pain, and I can no longer perform my job.
Will the following years that will count into my federal total time in service, once on disability retirement, continue until my 57th or 62nd birthday under normal retirement age limits? Does this mean that it would add 10 years of credit to my total time in at age 57? Wouldn’t that put my percentage of my high-3 average at or above 50 percent since I believe we are credited at the rate of 1.1 percent per year? Adding in the special Social Security annuity that we start receiving upon retirement from federal law enforcement, is this completely taken out of our monthly payment for the disability retirement during the first year? Or is that Social Security disability that I must apply for as part of the disability retirement process that is taken out for the first year? Are they the same thing or two different Social Security payments?
Q. If I take disability retirement or my pension, would I be able to return to work with the Postal Service? I have 30 years as a letter carrier at age 57.
January 9th, 2014 | annuity reduction Creditable service: FERS Disability retirement FERS annuity computation High-3 Military service deposits MRA + 10 PAY RETIREMENT SOCIAL SECURITY Special retirement supplement
Q. I am eligible to retire under FERS now that I am 56 years old and have 28 years of service with the Veterans Affairs Department. If I were to retire under FERS disability instead, would I still receive the special retirement supplement that accompanies regular FERS retirement? Also, would my five years of military service be taken into account for FERS disability if I have paid my military deposit into the system?
January 8th, 2014 | COLA CSRS annuity computation Disability retirement discontinued service retirement EMPLOYMENT FERS annuity computation High-3 Minimum retirement age PAY Postal Service Re-employment RETIREMENT
Q. I have been on disability retirement from the Postal Service since October 1988. I am 56 years old (57 in March) and would like to inquire as to my options to retire under MRA. Also, can I receive a ballpark estimate of how much I would get (monthly/yearly) and all other pertinent information? I believe that I read on the Office of Personnel Management’s Web page that it would be 1 percent of my high-3 income while at the post office, but I am not sure how to do this calculation. If this is an option for me to retire now, what would be the necessary steps to get this accomplished?
Q. I am a federal law enforcement officer. I have an accepted workers’ compensation claim, and it appears that I am no longer physically able to perform the duties of my job. I do not appear to be completely disabled, so I probably can’t get Office of Workers’ Compensation Program disability.
I am four years short of being eligible for the minimum needed for enhanced law enforcement retirement.
If I obtain an Office of Personnel Management disability annuity, am I eligible to obtain the special retirement supplement until age 62?
Q. I have been hearing impaired all my life. My audiograms (hearing tests) throughout the years have shown a progressive decrease in my hearing. My recent last audiogram showed that my hearing is so bad I automatically meet the qualifications for Social Security Disability Insurance. I have worked in a federal prison for nine years and have feared for my safety for quite a while, but am the sole bread winner of my family and need the money to survive.
As a requirement for FERS disability retirement, I’m supposed to apply for SSDI also. On one hand, I automatically qualify, but on the other hand, since I’m still working, I’ll be turned down? I need both FERS and SSDI benefits to survive financially. I don’t have enough sick and annual leave to stop working and wait it out, to where I won’t be working and be approved for my SSDI. What are my options?
Q. I was a CSRS clerk who got injured off the job. I have 29½ years and am 53 years old. When I turn 55, can I convert to regular retirement? (I am currently on disability retirement.) And can I take an early-out if one is offered?
Q. I am a 50-year-old dual-status Air National Guard military technician under FERS. If I decline to enter into the Disability Evaluation System solely for a fitness determination, and am involuntarily separated for Physical Disqualification IAW AFI 36-3209, paragraph 3.14 for enlisted personnel, am I entitled to the special retirement supplement immediately if I retire under a discontinued service retirement with 24 years and four months of service, or will it begin at minimum retirement age (56 years for me)?
If I enter into the DES and the time it takes to go through gets me over 25 years service as a technician, does it make a difference as far as an immediate FERS annuity supplement is concerned?
Q. In 1994, I received disability retirement from the Postal Service. I was married at that time and elected for no spousal entitlement. My husband signed off on it. I have since divorced and remarried. When they convert me to regular retirement, will my new husband have to sign off on it to not take spousal benefits?
Q. Federal worker was separated from service Nov. 30 pursuant to Office of Personnel Management disability determination. Worker is completely disabled. The worker’s pay for 2013 exceeds the Social Security limit. Agency fails to pay accrued leave promptly. Leave is paid in 2014. Would Social Security be deducted?
Q. I am 53 on disability retirement under CSRS. I have 29 years and six months. When I turn 55, can I convert to regular retirement? Also if the Postal Service offers an early-out, am I eligible?
Q. I have just been approved for Social Security disability. I also applied for FERS in March I was terminated for not following leave regulations because I couldn’t go to work. Should my FERS case go through because I was approved for SSDI, or will it still be a complicated procedure? It seems, if Social Security decided that I can’t work, I obviously can’t do the work I was doing at the Defense Finance and Accounting Services.
Q. I was hurt on the job as a federal worker. This injury has forced me to take a FERS disability retirement as I cannot perform my function. When I turn 62, do I lose my disability pay and must I rely on what normal retirement I would have had (not enough to live on)?
Q. I am recovered from the disability for which I obtained my FERS disability retirement. Should I send my retirement papers along with a letter from my doctor to the Office of Personnel Management retirement section? I am 57 with 21 years of FERS civil service, and I bought back six years of active duty. I have been on FERS retirement since 2007.
Q. I recently received a letter from the Office of Personnel Management that I had gone over the 80 percent limit, and my FERS disability retirement was discontinued. OPM has quoted two different salary figures and different “earned income” in three letters that I received from them. Can you please help clarify as to how to calculate correct 80 percent limitation? Do you report net income under self-employment or gross? Does your earned income includes FERS retirement annuities?
Q. If Social Security is not approved but disability retirement is, does that mean I only get the percentage of pay that the FERS disability retirement pays, or is there a procedure in place to make up for the Social Security disability?
Q. I retired on disability in 2008 in a 6(c) (law enforcement) position. I would have been eligible to retire this year (at age 52) had I not become disabled. When will my retirement be recalculated since I fall under the age 57 mandatory retirement?
Q. I am on a disability retirement after 32 years of CSRS service with the Postal Service. I am 59 and have been retired for about nine years. Can I take a job at a state prison working part time in the mail room without jeopardizing my disability retirement?
Q. I am a FERS employee being considered for the 60/40 disability retirement. When calculating the amount the person receives based on the high-3 average, is locality pay included? Also, if locality pay is included, is the disability payment adjusted if the person moves to a different locality?
Q. I am a federal employee who has filed a disability retirement over a year ago. I have not worked during this time and have not heard anything from the Veterans Affairs medical center about my retirement. What do I need to do? This VAMC is not helpful.