Many people wonder if they can continue working after starting Federal Disability Retirement. The good news is that you can, with some important considerations.
Working in the Private Sector
You are permitted to work in the private sector while receiving Federal Disability Retirement benefits. The key is to work within the limitations set by your medical condition and to stay below the earnings cap.
The 80% Earnings Cap
Federal regulations include an earnings limit for disability retirement recipients who work. This limit, known as the 80% earnings cap, means your earnings from your new job cannot exceed 80% of the salary you were earning in your federal position at the time of your disability retirement.
For example, if your federal position had a salary of $50,000 per year when you retired, your annual earnings from working while receiving disability benefits cannot exceed $40,000 (80% of $50,000).
Finding Fulfillment in a New Career
Transitioning to a new career path after Federal Disability Retirement can be a positive experience. Many individuals discover fulfilling opportunities in the private sector that accommodate their medical needs while allowing them to utilize their skills and experience.
Here are some resources that might be helpful as you explore new career options:
- Indeed.com – A popular job search engine
- LinkedIn – A professional networking platform
- USAJobs.gov – The official job site of the US government (for exploring potential accommodations in federal work)
- Job Accommodation Network (JAN) – Provides information about job accommodations and the Americans with Disabilities Act
- U.S. Department of Labor’s Office of Disability Employment Policy – Offers resources and guidance for job seekers with disabilities
Summary
In summary, working while receiving Federal Disability Retirement is possible. By adhering to the 80% earnings cap and respecting your medical limitations, you can explore new career paths and find a fulfilling second chapter in your professional life.