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II. Entitlem

Effect 

Retire

Disabi

III. Periodic 

IV. Earnings 

Federa

System 

Retire

V.	 Reemplo

Federa

VI.	 Future A

Annui

Reemp

Gover

VII. Addition

If you are an 

addresses con

Office of Pers

have access t

should direct 

to the person
Annuity 

FERS disabili

ways depend

amount of se

disability retir

the first 12 m

annuitant is u

retirement. 

If at disability 

old, or you m

for immediat

receive your 

general FERS 

1% 

you

However, if y

completed at 

will be comp

1.1% 

you

If at disability 

and not eligib

receive the fo

a. For the fir

60% of yo

of your So

which you 

disability b

b. After the f

40% of yo

your Socia

which you 

disability b
c. When you 

Your annu

amount th

you would 

working u

day and th

Employee

disability p

the comp

amount o

annuity, a

increased 

paid durin

annuity. T

(1 percent 

iplied by y

is then ap

and avera

the credit 

equals 20 

1.1 perce

multiplied 

of service 

annuitant

Your basic 

provide su

married (u

waive the 

required b

benefits fo

Computat

Salary 

Your high-3 a

your highest 

secutive servi

final three ye

period, if you

period. Your 

for your posit

ary for which 
Computat

Current/F

If you die be

If you elected 

your survivor 

percent of yo

using the ear

your high-3 a

and months o

average salary 

adjustments t

the annuity r

increased by 

on the annuit

between the 

your 62nd bi

partial survivo

25 percent o

If you die af

If you elected 

your survivor 

percent of th

been payable 

your death. If 

survivor bene

annuity equa

Cost-of-Li

If you are und

computed us

salary, COLA

months. COL

period are pa

or if you mee

an immediate 

System (FERS

the commenc
Social Sec

Entitled to B

Administrat

If you are und

were comput

percent of yo

Personnel Ma

monthly annu

Security bene

ity computed 

OPM must re

percent of an

which you ar

annuity comp

tion, your mo

percent of an

which you ar

for months in 

to both FERS 

Notifying O

Benefits: 

If the Social S

monthly bene

amount of th

the effective 

upon becom

minimize any 

notifying OPM

copy of the a

Social Securit

amount and 

benefit. This 

U.S. Offic

Federal E

Boyers, P
Security chec

FERS benefit 

checks will b

nel Managem

should have 

If you are elig

ity benefits b

eligibility for 

Compensatio

notify OPM o

would be elig

receiving ben

Notifying O

Social Secur

If you lose en

benefits while 

you will need 

loss of social 

benefit witho

Compensa

Workers’ 

(OWCP), U

Entitled to a 

(Non-Sched

If your worke

total or partia

you may not 

same period 

sation benefit

Workers’ Com

OPM of your 

also notify O

your compen

benefit is cha

non- schedul

overpayment 

payment of b

non-schedule
Boyers, P

Entitled to a 

If you receive 

Office of Wo

(OWCP), you 

and any Fede

(FERS) annuit

based on a d

function or m

loss or the los

notify OPM o

However, yo

award is conv

the future. 

Survivor Rig

Annuity Is S

Are Receivin

OWCP: 

If your surviv

sation benefit

refund of the 

account, they 

benefits, prov

this benefit. H

OWCP death 

annuity bene

if your survivo

and FERS sur

to elect whic

receive. (A su

compensatio

annuity term

survivor annu

are entitled to 

award” or du

receive surviv

covering the 
Periodic R

After you beg

OPM may re

disability ben

necessary. 

Procedures 

If you are und

OPM will con

current repor

ical facility co

condition on 

You’ll also be 

ing your curre

pertinent acti

request for in

suspended. 

If you are age 

OPM will rev

disability ben

that we find y

you furnish m

recovered fro

If we then fin

stop. 

Cost of Med

You must pay 

OPM’s reque

your continue

Terminati

Found Rec

Your annuity 

date of the m

your recovery

reemploymen

ever occurs fi
Earning I

Disability 

If you are age 

the amount o

ing disability 

you can earn 

ing disability 

disability ann

Management 

to earn an inc

earnings wou

The retireme

percent in or

retirement. Y

(or are “resto

calendar yea

employment 

rate of basic 

retired. 

How We D

of Pay Fo

You Retire

The current r

you retired is 

on Decembe

reporting you

is the amoun

retirement de

the location f

wage-grade e

premium pay 

officers. It do

overtime pay

for General S

include territ

except those 

made a part o

it is essentiall

and step of th
Income Incl

All income fr

you actually r

you actually e

ered earnings

retirement is 

Income from 

while workin

overtime, vac

self-employm

working or m

at home or e

remaining aft

before the de

exemptions a

Service. Defe

earned, but d

for which you 

percent earn

If you are ree

your salary is 

annuity, the g

reduction is c

dar year. 

Income Not 

Earnings: 

Gifts, pension

insurance pro

rents/royaltie

personal serv

from your ow

you earned b

gains, prizes/a

net business 
Normally, OP

each year. Pl

your current 

you. 

Terminati

the 80% E

Your disabilit

for 6 months 

which your in

percent earn

For example, 

80 percent li

June 30, 200

will stop befo

become reem

that period. 

If your incom

have reached 

write to you t

We also will 

for another ty
of Personnel 

annuity beca

earnings limit

apply for ree

in any positio

The law does 

any other Fed

a position. H

priority place

Transition As

ICTAP, you s

still exists, or 

under United 

phone book. 

receiving a no

earning capa

limit) from us

annuity ends

Continuin

Annuity if 

Federal S

If you’re und

position equi

retirement, O

disability and 

when this fin

If you are ree

equivalent to 

your annuity 

offset by the 

of reemploym

percent earn

If you’re und

annuity beca

earnings limit 

from your dis

date you’re r

even if you’re 

equivalent to 
cally request 

Note: If you r

Military Reser

regular medic

ment, this sec

Your annuity 

appointed to 

offer of appoi

the commutin

the same or e

Who to No

in the Fed

You must tell 

reemploymen

Retirement S

also notify th

(OPM) at: 

U.S. Offic

Retireme

Boyers, P

If possible, pr

ment showin

name and ad

Be sure to giv

number). 

Benefits P

ment End

When your re

same retirem

employee wi

kind of separ

annuity bene

and you are o

If upon subm
VI. Futur

Annu

Reem

Gover

Future An

If your disabi

have recover

medical evide

capacity, and 

subject to Fed

qualify for an 

� A deferred 

age 62, if y

annuities d

completed 

the time o

Your annu

general fo

and actua

for disabil

your “high

total servi

� A disconti

your disab

least age 5

when you 

A disconti

when you

25 or mor

for disabil

Your annu

eral formu

actual serv
minimum 

provision (

annuity ce

years of se

you will be 

not yet rea

but compl

the time o

entitled to 

month foll

the minim

M

If you we

Before 194

In 1948 

In 1949 

In 1950 

In 1951 

In 1952 

In 1953-19

In 1965 

In 1966 

In 1967 

In 1968 

In 1969 

In 1970 an

Your annuity 

formula base

service at the 

retirement. T
You can post

benefit to les

Reinstate

Retiremen

Annuity 

Your disabilit

not receiving 

FERS provisio

applies: 

Loss of Earn

If your annuit

restored to ea

effective the 

year in which 

percent of th

retirement, p

� You are no

in any pos

Retiremen

� You are no

disability f

Recurrence 

If your annuit

recovered fro

medical evide

it may be rein

medical docu

for which you 

condition has 

recovered, pr

� You are no

in any pos

Retiremen

� Your earni

percent lim
Health Be

Coverage 

If Your Disa

To be eligible 

age, you mus

benefits plan 

terminated. Y

plan for whic

restricted to t

terminated. T

insurance cov

immediately 

Only coverag

effect at that 

elect life insu

previously in 

eligibility to r

time your dis

If There is a 

Entitlement 

You will not b

benefits or lif

reemployed i

Federal empl

such a positio

benefits cove

nongroup co
only if you ar

condition, are 

the one held 

earning incom

pay of the po

However, yo

accept all or 

signed waive

ment (OPM). 

to you during 

You may revo

future by aga

able to recov

waived. 

Federal In

Under rules o

Federal Empl

disability ann

For complete 

your annuity, 

“Comprehen

ment Benefit

Service office

publication a

and the Civil 

Contactin

To expedite o

claim numbe

reach us by te

our regular b

between the 

Eastern Stand

our Custome

with your inq
into your ban

mailing addre

income surve

Retirement S

under age 60

notices. If yo

address, you 

Services Onli

www.services 

your new add

address by te

Changing you

usually quick

please write t

U.S. Offic

Attn: Cha

Post Offic

Boyers, P

and use one 

� Use the ch

or 

� Use the fo

which the 

monthly a

payment b

� Use a post

following i

� Your na

� Your cl

� Your o

code a

� Your ne

code a
www.services

� Start, chan

tax withho

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� Request a 

(1099R); 

� Change yo

(PIN) for a

� Establish, c

organizatio

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� Start direc

the accoun

your paym

� Establish, c

allotment; 

� View a sta

payment. 

If you make a

feature on ou

number (CSA 

cation Numb
(TTY:1-800-8

U.S. Offic

Federal E

Retireme

Boyers, P

Informatio

Survivor An

Federal Em

Benefits Pr

Informatio

Employees 

Program 

Informatio

Retirement 

Annuitants 

Life Events 

and Insura

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