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How Does OPM Disability Retirement Back Pay Work? Once you are approved for OPM Disability Retirement, you will be awarded back pay along with annuity payments. The effective date from which back pay is calculated is the day after your last paycheck, either by your agency or the OWCP.
If you are applying for disability retirement, you must complete SF 3107, Appli cation for Immediate Retirement, and SF 3112, Documentation In Support of Disability Retirement. Your employing agency will help you complete these forms and will forward the completed forms to the Office of Personnel Manage ment (OPM).
It typically takes around 9-12 months to receive an initial decision from the OPM for Federal Disability Retirement. This timeframe does include processing at your employing agency which can be relatively smooth if your agency has dealt with these applications before.
If your FERS Disability Retirement is denied, you can request reconsideration from the Office of Personnel Management (OPM) within 30 days. If it gets denied again, you have the right to appeal to the Merit Systems Protection Board (MSPB) within 30 days of the reconsideration decision.
Applying for Disability Retirement Your employing agency will help you complete these forms and will forward the completed forms to the Office of Personnel Manage ment (OPM). However, it is your responsibility to obtain all of the information necessary for OPM to make a decision on your claim.
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Processing your annuity cannot begin until after your date of separation for retirement from your agency. The entire process typically takes 3-5 months from this date. Timelines are estimates as of Dec 2024. View the most current version of this document at opm.gov/retirement-center/quick-guide.

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