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Federal Employees Benefits Q &A

Do you have questions about your federal employee CSRS or FERS pension/annuity or federal employee retirement planning? Concerns about your Thrift Savings Plan (TSP) account or what about federal employee pay and leave issues?

Ask your question here.

The Q&A forum is moderated by Ed Zurndorfer -- an expert on federal employee benefits -- and a Certified Financial Planner, chartered life underwriter and chartered financial consultant in Maryland.

Zurndorfer is also the author of several federal employee benefits guides published by Federal Employees News Digest.

Your question will be put into a message queue and submitted for review. We cannot guarantee that all questions will be answered, however any answered questions will appear below, and some will also be featured in our daily Federal Daily e-newsletter (Subscribe here). Members of Federal Soup will not be able to submit replies to the questions posted, as we leave the replies for the moderator only.

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Note: FederalSoup.com has attempted to compile information that is as accurate and current as possible for federal employees. Federal policies, laws, regulations, statistics and addresses continually change. Therefore, no warranties are made as to the accuracy or completeness of the information presented in this column. If additional clarification or information is needed, it is suggested that competent and professional assistance be sought. Mr. Zurndorfer does not moderate other forums on FederalSoup and will not reply to general FederalSoup inquiries submitted in this Q&A forum.

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#1 Posted : Monday, July 11, 2011 10:50:58 AM(UTC)

Rank: Groupie

Groups: Registered
Joined: 6/25/2011(UTC)
Posts: 71

i have been told that a CSRS employee who has the years and age, in this case around 34 years, cannot apply for a disability retirement due to the fact that one is already eligible for a 'regular' annuity.  however, someone else said that an employee CAN retire on disability if he does so prior to his/her 62nd birthdate.  which is the true version?   are there any advantages to opting for a disability retirement over a 'regular' annuity for a CSRS employee?    i do know there is NO tax advantage, as some people claim there is, but am still wondering if there is any other advantage, if one, of course, can qualify for a disability retirement.
Ed Zurndorfer  
#2 Posted : Tuesday, July 12, 2011 9:12:00 AM(UTC)
Ed Zurndorfer

Rank: Senior Member

Groups: Registered
Joined: 9/10/2001(UTC)
Posts: 4,414

If a CSRS employee has 34 years of service and is at least 55 years old, he or she is eligible to retire under the regular or normal CSRS retirement rules. He or she would be better off retiring under the normal retirement rules rather than going out under a disability retirement because he or she could work with no restrictions, earning as much as they want to without losing any of their CSRS annuity. On the other hand, an individual who retires under a disability retirement would be restricted as far as how much they could work and earn without losing their disability retirement benefits.  
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