When Should I Retire?

by | Dec 15, 2013

Last Updated December 4, 2023
A federal employee looking to retire.

Perhaps the hardest part about deciding to file for disability retirement benefits from the OPM is knowing when it is time to retire. We get calls from hundreds of federal employees every week and while many of them know that they can’t keep doing their job on a full duty basis, they have a very difficult time walking away.

Why Apply for Federal Disability Retirement?

Federal Disability Retirement is often the last resort. Most federal employees that we come into contact with love their jobs and had every intention to continue to work there until they reached their full retirement age. A disease of injury that has hijacked their career is not only a surprise, but also goes against everything that they had hoped for. Many try to stay in their current jobs too long and work against their doctors’ restrictions and recommendations. It is understandable because these people love what they do for a living. However, it can be damaging to their long term health and leave them in a worse financial position.

You see, while supervisors and the employing agency applaud the mindset of the “good soldier” who fights on even when they are not healthy, in the end the only one who ends up paying the price is the employee themselves. Continuing to put your body through an adverse health risk and exposing yourself to added perils are not constructive to your overall well being. Whether the medical condition is purely physical, or if there is a mental health element involved, following your doctor’s advice is often the most advantageous to you, the employee.

Federal Employee: Injured or Ill and Can’t Work?

We have spent a lot of time on this blog, and on this website, teaching you about the eligibility requirements of Federal Disability Retirement, but understanding when it’s time to go can be the hardest part of your decision. Many people don’t want to be labeled as “disabled.” It may not be good for their mental makeup to think about spending the rest of their lives sitting on the couch. Well the good news is that filing for disability retirement benefits doesn’t mean any of that. It simply means that you can’t keep doing that particular job. You can be employed anywhere in the private sector and earn an income on top of what you receive from the Office of Personnel Management. Don’t let your stigma cause you to make an unwise decision about your health.

Remember to listen to your body, and your doctor. If you have any type of medical condition that keeps you from fully completing the essential functions of your job, it may be time to explore your rights. Call Harris Federal Law Firm, today to learn more about your options.

Message us & find out if you qualify today!

Recent Articles

USPS Pension Pause: Are Your Retirement Benefits Safe?

The USPS has announced that it’s temporarily pausing FERS payments, starting April 10. For any USPS retirees or workers who are getting ready to retire, this sounds like scary news.   But here’s some reassurance – there will be no immediate impact on current or future...

Seniority May Matter Less Under New Federal RIF Rules

Newly proposed changes to the way RIFs work would put federal workers already struggling with their health at an even greater risk for losing their job during a RIF.   The Trump administration is trying to correct what it sees as exaggerated performance ratings within...

The USPS Could Run Out of Money Within the Year: What Workers should know

The USPS has suffered dramatic financial losses in recent years, even after attempts to cut costs, and now says it could run out of money by the end of 2026.   From 2007 to 2024, the agency lost about $109 billion. That number has continued to climb in the last...

Federal Employee Resources

Our ever growing library of federal employee resources give you the knowledge you need to make smart choices about your future.

FAQs

Frequently Asked Questions

Get the answers you need on-demand, from a team of federal employee benefits professionals.

View FAQ
Webinars

Federal Benefit Webinars

Twice per month we host webinars to help federal employees better understand their benefits and answer their questions LIVE.

See Webinar Schedule
Guides

Benefit Guides

From guides to detailed charts, these educational resources will help clarify confusing federal employee benefits topics.

See our resources

Intake Form

Step 1: Share just the essentials up front, and our team will text you back shortly.

By submitting, you authorize Harris Federal Law Firm to text and call the number you provided with offers and other information, possibly using automated means. Message/data rates apply. Consent is not a condition of purchase. Use is subject to terms.

Step 1 complete!

We'll be with you soon. In the meantime, complete Step 2 to help us serve you better.

Select all that apply
Federal Disability Retirement
Federal Workers' Compensation
Social Security Disability Insurance
Veterans Affairs Disability
Other

Almost done!

Just a few more details so we can best prepare for your case.

Thanks for the additional information — we're eager to discuss your case.

If you reached out during regular office hours, Monday–Friday from 8 a.m. to 5 p.m. EST, you should expect to hear from us soon. If your message came in after hours, we'll follow up as soon as we're back in the office.