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Federal Employee Retirement System (FERS) Disability annuitants, who also receive Social Security Disability (SSD) benefits, must contend with an offset of their benefits as a result of their receipt of SSD benefits. The FERS annuitant will receive their entire SSD benefit, but their FERS disability retirement benefit will be reduced accordingly based on the formula described below. Civil Service Retirement System (CSRS) annuitants do not have such an offset.

If you need legal representation to obtain FERS benefits, contact the federal disability lawyers at Andalman & Flynn. You can fill out the contact form to the left, or reach us by phone at (301) 563-6685 or toll-free at (888) 558-7871.

How to Calculate Your SSD Offset

FERS disability annuitants receive their first year of benefits at a rate of 60% of their high-three average pay. Office of Personnel Management (OPM) will reduce their FERS benefit payment by 100% of their SSD benefits for that year.

Example 1:

Average High Three = $3,000.00/mo.

FDR Annuity Benefit (60%) = $1,800.00/mo.

SSD Benefit = $1,000.00/mo.

SSD Offset (100%) = $1,000.00

Total Monthly Disability Benefits = $1,800.00/mo.

After the first year, FERS disability annuitants receive 40% of their high three average pay until age 62, when they roll over into regular retirement (assuming they remain disabled and otherwise eligible). For these years their FERS disability benefits will only be offset by 60% of their SSD benefit.

Example 2:

Average High Three = $3,000.00/mo.

FDR Annuity Benefit (40%) = $1,200.00/mo.

SSD Benefit = $1,000.00/mo.

SSD Offset (60%) = $600.00

Total Monthly Disability Benefits = $1,600.00/mo.

We have significant experience representing clients seeking disability benefits. For more information and how you may be impacted, contact one of our Disability Benefits attorneys, Elliott Andalman, and Peter Casciano.

For Legal Assistance with Disability Benefits, Contact Us

Andalman & Flynn assists federal and postal workers with disability retirement and related issues, such as medical removal.  If we can be of assistance to you regarding disability benefits, please call us at (301) 563-6685 or toll-free at (888) 558-7871. You can also complete one of the contact forms directly on our website, and we will get back to you for a consultation concerning your situation. We are based in Silver Spring, Maryland but can perform consultations by phone for out-of-state clients in Virginia, West Virginia, and Washington, DC.

Contact us today for questions about Social Security Disability offset for Federal Disability Retirement benefits and receive the legal experience and dedication you deserve.