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FERS / CSRS
FERS and CSRS Disability Retirement

Determining FERS & CSRS
Service Minimums
Separate Systems
FERS and CSRS have different service minimums: 18 months for FERS and five years for CSRS.Medical Evidence
A diagnosis alone does not explain why useful service is no longer possible. It must address the position.Pursuing SSDI
FERS applicants must pursue Social Security Disability Insurance, which may affect payment.Employee Responsibility
OPM may require updated medical evidence to confirm continued eligibility for disability retirement.
What Is OPM Measuring?
Forms and Applications
OPM currently directs disability retirement applicants to use its Online Retirement Application (ORA) system. Supporting documentation includes the SF 3112 disability retirement package, medical evidence, and statements from the supervisor and employing agency. Current employees begin through their agency’s human resources office; former employees apply directly to OPM. The employee remains responsible for obtaining the information needed for OPM to decide the application.
An application generally must be filed before separation or within one year afterward. Agency delays, a pending FECA claim, or ongoing FECA payments do not automatically extend that deadline.
How FERS Is Structured
FERS disability benefits depend on age and service at retirement. For many employees retiring before age 62, the formula uses a higher percentage of the high-3 average salary for the first 12 months and a lower percentage afterward, subject to SSDI offsets and a minimum based on the earned annuity. Different calculations apply to employees retiring at age 62 or older and to certain employees already eligible for immediate retirement.
For employees covered by the pre-62 disability formula, OPM recomputes the benefit at age 62 under the regular FERS formula. The calculation includes credit for time receiving the disability annuity and applicable adjustments to the high-3 average salary. Service history, survivor elections, and other benefits can affect the result, so a general online calculation should not be treated as a final estimate.

How CSRS Differs
SSDI’s Role on the FERS Side
Differentiating SSDI for FERS and FECA

Staying on FECA vs. Taking an Annuity
A federal employee may qualify for both OPM disability retirement and wage-loss benefits under the Federal Employees’ Compensation Act, or FECA. However, an employee may not receive both payments for the same period and must elect which benefit to receive. That election can be changed, subject to continuing eligibility. FECA schedule awards are treated differently and may generally be received while an OPM annuity is being paid. The better choice depends on payment structure, medical coverage, return-to-work issues, survivor considerations, and the employee’s long-term circumstances. FECA wage-loss compensation is not taxable, while retirement annuities are generally taxable.
An OPM disability annuity may also involve continuing obligations. OPM can require periodic medical documentation or examination, particularly before the applicable age threshold, unless the condition has been found permanent. Eligibility may also be affected by medical recovery, restoration to earning capacity, or reemployment in an equivalent federal position. Disability retirement should not be treated as a benefit that is always approved once and left unreviewed.
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