Disability Retirement, Workers' Compensation & FMLA
Your federal career comes with protections most employees never fully understand. We help you navigate FERS disability retirement, OWCP claims, and FMLA rights so your benefits work when you need them most.
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Your Career Built These Protections. Use Them.
Three critical federal safety nets designed to preserve your income and retirement annuity.
Federal employees under FERS and CSRS are covered by comprehensive medical and wage protection systems that differ vastly from the private sector. Whether you are dealing with a permanent medical condition preventing useful and efficient service, a traumatic workplace injury, or need job-protected leave to care for yourself or family, understanding federal statutory guidelines is vital.
Navigating the Office of Workers' Compensation Programs (OWCP) or filing a FERS Disability Retirement application package with OPM requires meticulous medical documentation and agency coordination. PWR Retirement Group guides you through every step to ensure your benefits are preserved.
“Most federal employees don't lose their benefits because they aren't entitled to them. They lose them because no one ever explained the proper documentation process.”
Ronaldo Padua
Federal HR & Benefits Specialist, PWR Retirement Group
Facing a Medical Condition or Workplace Injury?
Get a confidential case review from federal benefits specialists before deadlines lapse.
Federal Disability Retirement (FERS)
Provides a guaranteed monthly annuity if a medical condition prevents useful and efficient service in your current position, and your agency cannot accommodate you.
18 mo
Minimum Service
Creditable civilian service required
60%
Year 1 Benefit
Of your High-3 average salary (minus 100% of SSDI)
40%
Year 2+ Benefit
Of your High-3 average salary (minus 60% of SSDI)
1 yr
Filing Deadline
From separation of federal service
Need Case Review? Our educators examine your agency records and OPM medical documentation free of charge.
Workers' Compensation — OWCP / FECA
If you have been injured on the job or developed an occupational illness, the Federal Employees' Compensation Act (FECA) protects your salary and pays 100% of approved medical care.
75%
Max Wage Replace
Tax-free with eligible dependents (66.67% without)
45 d
Continuation of Pay
Full regular pay for traumatic injuries (COP)
100%
Medical Covered
All authorized injury-related care
ECAB
Appeal Rights
Right to independent administrative appeals
Need Case Review? Our educators examine your agency records and OPM medical documentation free of charge.
Family & Medical Leave Act (FMLA)
Guarantees up to 12 weeks of job-protected, unpaid leave per 12-month period for qualified medical and family obligations, maintaining health insurance coverage.
12 wk
Standard Leave
Protected leave per 12-month cycle
26 wk
Military Caregiver
For covered service member injuries
Day 1
Eligible From
After 12 months of federal civilian service
100%
Job Protected
Guaranteed return to equivalent grade & pay
Need Case Review? Our educators examine your agency records and OPM medical documentation free of charge.
Want to Discuss?
Call us today to discuss your federal options or schedule a one-on-one session with an advisor.
Frequently Asked Questions
Clear answers to the most common questions federal employees ask regarding this service.
Yes. FERS disability applicants are required by law to apply for Social Security Disability Insurance (SSDI). If approved for both, your FERS disability annuity is offset: In Year 1, FERS pays 60% of High-3 minus 100% of SSDI. In Year 2 and beyond, FERS pays 40% of High-3 minus 60% of SSDI.
Yes! Unlike SSDI which severely limits earnings, FERS disability retirees are permitted to earn up to 80% of the current salary of the federal position from which they retired through private employment.
Form CA-1 is filed for a traumatic injury caused by a specific event or work incident occurring during a single work shift. Form CA-2 is filed for an occupational disease or illness that develops over more than one work shift due to environmental conditions or repetitive duties.
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