Can You Apply for Both OWCP and FERS Disability Retirement?
The answer is yes, you can apply for both the Office of Workers’ Compensation Programs (OWCP) and Federal Employees Retirement System (FERS) disability retirement simultaneously. This can be a strategic move for federal employees who have suffered a work-related injury or illness that may impact their ability to work.
Understanding the Relationship Between OWCP and FERS Disability Retirement
While it’s possible to apply for both benefits, it’s important to understand that you cannot receive the full benefits from both programs concurrently. Here’s why:
OWCP Focus: OWCP focuses on providing benefits for lost wages and medical expenses directly related to a workplace injury or illness.
FERS Disability Retirement Focus: FERS disability retirement provides a monthly income stream if you become disabled and can no longer perform your federal job.
Due to the potential for overlap in benefits, you’ll need to make choices about which program to prioritize at any given time.
The Offset: Coordinating Benefits
The coordination of benefits ensures that you’re not overcompensated by receiving duplicate benefits from both programs. If you are approved for both OWCP and FERS disability retirement, an offset will be implemented.
In essence, the offset typically means your monthly FERS disability retirement benefit will be reduced by the amount of your OWCP wage loss benefits. This ensures you’re receiving support but not exceeding your pre-disability income.
Strategic Considerations: When to Utilize Each Program
Many federal employees view FERS disability retirement as a valuable backup plan. Here’s a common scenario:
1. OWCP First: Initially, OWCP benefits are often pursued aggressively because they provide coverage for medical expenses and lost wages directly related to the work incident.
2. Transitioning to FERS: As your OWCP benefits inevitably end (either through recovery, reaching program limits, or returning to work), you can then opt to activate your FERS disability retirement. This transition can provide crucial income continuity.
Seeking Expert Guidance
Navigating the complexities of OWCP and FERS disability retirement can be daunting. Consulting with an experienced professional who understands the nuances of both programs is highly recommended. They can:
Assess your situation: A professional can help you determine your eligibility for each program and develop a strategic plan.
Navigate the application process: The paperwork and procedures for both OWCP and FERS can be complex; expert guidance can streamline the process.
Advocate for your rights: A knowledgeable advocate can represent your best interests and ensure you receive the full benefits you deserve.
Additional Resources
For more information on federal employee benefits, you can visit:
U.S. Office of Personnel Management (OPM)
U.S. Department of Labor – Office of Workers’ Compensation Programs (OWCP)
Social Security Administration (SSA) – for information on potential interactions with Social Security Disability benefits
FedSmith – a website providing news and information for federal employees
National Active and Retired Federal Employees Association (NARFE) – an organization advocating for the rights of federal employees and retirees
Summary
Applying for both OWCP and FERS disability retirement can be a smart strategy for federal employees facing a work-related injury or illness. By understanding the offset mechanism and planning strategically, you can ensure you have the financial support you need both during and after your recovery process. Remember, seeking guidance from experienced professionals can significantly ease the burden of navigating these complex programs.