Life After Approval

• The OPM Annual Earnings Report: What It Asks and What Happens If You Ignore It

  If you are under 60 and receiving FERS disability retirement, OPM will ask what you earned last year. Here is what the request covers, why it matters, and what happens when it goes unanswered.

• What Counts as “Earned Income” Under the 80% Rule — and What Doesn’t

  The earnings limitation only counts certain kinds of income. Knowing which is the difference between planning confidently and guessing.

• Turning 60 on Disability Retirement: What Changes About Your Earnings Limit

  The 80% earnings limitation applies to annuitants under 60. What that means if you are in your late fifties and planning ahead.

• Your Earnings Ceiling Moves Every Year: How the 80% Calculation Actually Works

  The 80% limit is not a fixed dollar figure you calculate once. It is tied to a moving reference point, and that works in your favor.

• Restored to Earning Capacity: What Happens to Your Annuity, and How Reinstatement Works

  Crossing the earnings threshold has defined consequences and a defined path back. Neither is as final as most annuitants assume.

• Medical Recovery vs. Earning Capacity: The Two Ways a Disability Annuity Ends

  Two separate rules, two separate reviews, two very different kinds of evidence. Confusing them is how annuitants respond to the wrong question.