FERS disability retirement calculator
Estimate OPM’s two-stage annuity.
Use known amounts
The planner never estimates SSDI or eligibility.
What this estimate covers
The calculator handles one published computation path and stops when another path may apply.
Included
- 60% of average pay for the first 12 months.
- 40% of average pay after the first 12 months.
- The concurrent SSDI offsets you explicitly enter.
- The earned-annuity floor you explicitly enter.
Excluded
- Eligibility, medical evidence, accommodation, and reassignment decisions.
- Age-62 recomputation and future cost-of-living adjustments.
- OWCP elections, CSRS components, and special-group service.
- Survivor elections, taxes, insurance, and court-order deductions.
- Rule snapshot
- Reviewed
- Primary sources
- OPM, 5 U.S.C. § 8452, and 5 C.F.R. Part 844
- Privacy
- Inputs stay in your browser
Eligibility stays with OPM
This calculator does not decide eligibility. OPM’s published requirements include at least 18 months of creditable FERS civilian service, a qualifying disabling condition expected to continue at least one year, and agency review of accommodation and reassignment. Filing and Social Security application rules also apply.
If you are receiving or considering OWCP benefits, ask OPM how an election affects payment before relying on either estimate.
FERS disability retirement FAQ
Does this calculator decide whether I qualify for FERS disability retirement?
No. OPM decides entitlement from the complete application and medical, agency, service, accommodation, and reassignment record. This calculator only applies a formula path that you select.
When does the 60 percent and 40 percent formula apply?
OPM publishes the two-stage formula for an approved FERS disability annuitant who is under age 62 and not eligible for an immediate voluntary retirement. OPM uses the earned-annuity computation for age 62 or older and for someone who already meets the immediate voluntary age-and-service rules.
Which Social Security amount should I enter?
Enter the monthly Social Security disability insurance benefit for a month in which you are concurrently entitled to FERS disability and SSDI. Do not use SSI or a Social Security retirement benefit, and do not enter zero unless you explicitly select that you are not entitled for the same month.
Why does the calculator ask for my earned annuity?
OPM states that the payable disability annuity cannot be lower than the earned annuity when the earned amount is larger. Asking for that amount avoids guessing about service, CSRS components, special-group formulas, deposits, or other record details.
What happens if Social Security approves SSDI later?
OPM says the FERS payment must be reduced for concurrent SSDI entitlement. The disability application materials warn that a later Social Security award can create an OPM overpayment beginning with the Social Security award date.
Does this estimate the age-62 recomputation?
No. At age 62, OPM recomputes the annuity using credited time on the disability rolls and an average-pay amount increased by applicable FERS cost-of-living adjustments. Those future facts are not known here.
Primary sources
- OPM FERS computation
Current high-3, earned-annuity, two-stage, and age-62 computation guidance.
- OPM FERS types of retirement
Current eligibility, application, SSDI-offset, OWCP, and continuation guidance.
- 5 U.S.C. § 8452
Laws in effect on 2026-07-29
- 5 C.F.R. § 844.103
Title 5 current through 2026-08-18; eligibility requirements.
- 5 C.F.R. Part 844, Subpart B
Title 5 current through 2026-08-18; filing and Social Security evidence.
- OPM Handbook, Chapter 61
Chapter 61, April 1998; official computation worksheets.
- OPM SF 3112 application package
Official application instructions and later-SSDI overpayment warning.
Need the earned-annuity input? Use the general FERS retirement calculator as a separate planning estimate, then confirm the record with your agency or OPM.