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100% Pt, Current Civil Service; Would/can I Benefit From Ssd?

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Inthewind

Question

I'm once again overwhelmed and confused, as I was when I started my claim for increases in 2010. So, HADIT is where I come to find answers, so I'm hoping someone can help out.

I've been searching for threads that may fit my situation for a couple of days and couldn't find anything, so I figured I'd just start a new one.

My particular info:

I was found 100% P/T September last year. I have a 70% PTSD/Depression rating along with 30% asthma and multitude of 10-20% ratings for cervical spine/lumbar spine/knees/flat feet etc.

I'm 52 and currently a FERS civil servant GS-13 (Analyst) coming up on my 10th year of civil service (June 2014) after 24 years of AD. I'm really having issues at work (Concentration/dealing with others/anger/pain due to my neck and back issues) and I've been out often enough that I use my sick leave as fast as I accrue it.

I'm trying to get it right in my head and not make a decision that will make me and my family take a huge hit financially.

The one option I was considering is a reduced annuity and just retire early. If I retire on the MRA (Minimum retirement Age) + 10, which for me is 56 years old, or another 4 years. My annuity is reduced by 5% a year for every year under 62 (So a 30% reduction). I'm not too sure I can hold out another four years. Then someone mentioned SSD. They also mentioned Federal disability but that seems even more difficult then a VA claim or SSD.

So, in regards to SSD:

a.) would I be eligible to apply if I'm still working? or would I need to stop working before I apply?

b.) Would I be shooting myself in the foot by applying now? Or would it be worth it to endure at all costs (Assuming I could) for a severly reduced annuity? I figured it to be about $750 a month before taxes. If I don't/can't then do I lose everything I've put into my FERS except my TSP?

c.) If I do wait and retire under MRA+10, then is SSD out of the question?

d.) Does SSD offset any of my current VA disability or Military retired pay? Or is that only if I am on Federal retirement?

Again, getting any of this straight has been proving to be impossible, so any help or advice would be appreciated.

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I'm back again at trying to decide the path to take. I'm still in the same place (Except some advanced radiculopathy and ever increasing anxiety over mine and my families future) I was in October last year. I apologize for not answering the questions asked, but I've sort of lost touch with a lot in life in general.

In answer to your question John999, yes, my wife works and I have a 16 year old planning on college for sure. I'll PM you.

Is OPM disability decided while i'm still working? Or do I need to totally be out of work. Again, I'm using my sick leave as fast as I accrue it.

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