Are you a postal worker struggling with a health issue that makes your job difficult or impossible? USPS disability retirement could be the solution. This benefit helps federal employees retire early while keeping essential financial and healthcare support.

What Is USPS Disability Retirement?

USPS disability retirement, officially called Federal Disability Retirement, is a benefit under the Federal Employees Retirement System (FERS). It provides financial support and continued benefits to postal workers with medical conditions that prevent them from performing their job duties.

Who Can Apply for USPS Disability Retirement?

To qualify, you must meet these conditions:

• Work Experience: You need at least 18 months of federal civilian service.
• Medical Condition: A physical or mental condition must prevent you from performing an essential job duty.
• Duration Requirement: The condition must last at least one year.
• Job Accommodation: Your agency must be unable to modify your current role or find you a suitable alternative in your commuting area.

What Benefits Do You Receive?

If approved, USPS disability retirement offers financial security and continued benefits, including:

1. Monthly Payments

Your annuity payments are based on your “high-3” average salary (the highest three consecutive years of basic pay).

• First year: 60% of your high-3 average salary
• Following years (until age 62): 40% of your high-3 average salary

2. Health and Life Insurance Continuation

If enrolled in Federal Employee Health Benefits (FEHB) or Federal Employees’ Group Life Insurance (FEGLI) for at least five years, you can keep these benefits into retirement.

3. Ability to Work Elsewhere

You can work in the private sector and earn up to 80% of your old federal salary without losing your disability annuity.

4. Service Credit for Future Retirement

Your disability retirement years count as federal service credit toward full retirement at age 62.

How to Apply for USPS Disability Retirement

Applying involves four key steps:

1. Gather Medical Evidence

Collect detailed medical records proving that your condition prevents you from working. These records should show how the condition affects your ability to perform essential job duties.

2. Notify USPS Human Resources

Discuss your situation with your HR representative. They will determine if any workplace accommodations or reassignments are possible before moving forward with your application.

3. Complete Required Forms

You need to submit:

• Standard Form 3112 (Documentation in Support of Disability Retirement)
• Standard Form 3107 (Application for Immediate Retirement)

Send these to the USPS Human Resources Shared Service Center (HRSSC).

4. Apply for Social Security Disability Insurance (SSDI)

Even if you don’t qualify for SSDI, you must apply as part of the disability retirement process. However, your FERS benefits are not dependent on SSDI approval.

Common Myths About USPS Disability Retirement

Many postal employees misunderstand how disability retirement works. Here are three common myths:

Myth #1: You Must Be Totally Disabled
✅ Fact: You only need to prove that you cannot perform one essential job duty—not that you are completely disabled.

Myth #2: Your Condition Must Be Work-Related
✅ Fact: Your medical condition does not need to be caused by your job. Any health issue that affects your ability to work qualifies.

Myth #3: You Can’t Work After Approval
✅ Fact: You can work outside the federal government as long as your earnings stay below 80% of your former USPS salary.

Get Professional Help for a Smoother Process

Applying for USPS disability retirement can be complicated. Errors in paperwork or missing medical documentation can delay or deny your claim. Consulting The Benefit Coordinators who understands federal disability benefits increases your chances of approval.

Final Thoughts: Protect Your Future with USPS Disability Retirement

If a medical condition affects your ability to work, USPS disability retirement offers financial relief and continued benefits. Understanding your options ensures you make the best decision for your future.

Need Help? Contact an Expert Today

If you’re considering applying for USPS disability retirement, don’t go through the process alone. Visit Postal Disability Coverage for expert guidance and personalized assistance.