If I become too disabled to perform my job, does the federal government provide for disability retirement benefits and health insurance?
Yes. There are two main disability retirement programs which cover most federal employees, the Civil Service Retirement System (CSRS) and the Federal Employees Retirement System (FERS). CSRS and FERS both provide disability as well as regular retirement benefits. The Office of Personnel Management (OPM) is the agency that administers both programs and decides whether to award disability retirement benefits. If you are awarded disability retirement, you will be allowed to keep your federal health insurance if you have been enrolled in the program for the five years of federal service immediately preceding your retirement or, if less than five years, since your earliest opportunity to enroll. If you are considering filing for disability retirement, you should contact a knowledgeable attorney who will help you with the application process so you receive and continue receiving all benefits to which you are entitled.
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