How does FERS disability retirement work?

By the OnPAR Federal Retirement Education editorial team · Last updated October 27, 2026

With at least 18 months of service, you can apply if a medical condition keeps you from doing useful and efficient service in your position. Under 62, you get 60% of high-3 (minus 100% of any SSDI) in year one, then 40% (minus 60% of SSDI) until 62, when it is recomputed.

You must also apply for Social Security disability.

Sources

• OPM: FERS Disability