Q: I’m currently employed by a federal agency, but I’ve had a few troublesome health problems in the last year. I’m worried I will become disabled before I reach retirement age. What will happen to me and my finances? Do I need a Power of Attorney?
A:Â If you become mentally or physically unable to handle your own money, a family member or someone helping youÂ should contact OPM as soon as possible. When your family member or friends contact OPM, they will receive fullÂ instructions on what to do to take care of your retirement benefit for you. They will be asked for identifyingÂ information such as your claim number, name, and Social Security Number, as well as the name and address of theÂ person responsible for your care.
Powers of Attorney
The Office of Personnel Management does not recognize Powers of Attorney filings. You need to work with OPM to make arrangements as early as possible if you face a disability so that a PoA is not needed to continue proving your benefits to you.
If you are an individual who is responsible for the careÂ or custody of a person who is either mentally or physically unable to handle his or her own money, you should contactÂ OPM as soon as possible. OPM will give you full instructions on what to do to take care of the benefits. You shouldÂ provide the claim number, name, and Social Security Number of the disabled person as well as the name and addressÂ of the responsible person.
Periodic Medical Exams
When OPM approves your application for disability retirement, it may determine that based on your medical conditionÂ you will periodically have to provide OPM with current medical information in order to continue receiving benefits.
You pay for the periodic medical exams needed to keep your disability benefit. If you do not fulfill the request forÂ evidence of continuing disability, your benefit payments could be suspended until your continuing eligibility isÂ established.
Receiving Disability Benefits from Both OPM and OWCP
Generally, you must decide which disability benefit â€“ the OPM benefit or the U.S. Department of Labor, Office ofÂ Workersâ€™ Compensation Programs (OWCP) benefit â€“Â is most advantageous for you, and elect to receive that one. If youÂ decide you want to receive OWCP benefits, payments from OPM will be suspended. But if your OWCP benefits stop,Â you can ask OPM to pay your disability benefit. You can receive an OWCP Scheduled Award and the OPM benefits atÂ the same time.
Contact OPM to tell them if you are awarded workersâ€™ compensation benefits and see if you need to make an electionÂ between benefits.