Do I Need to Retire to Get a Schedule Award?

It’s a question that comes up constantly: “Do I have to retire before I can get my Schedule Award?”

The short answer is simple — no, you don’t.

Here’s how eligibility really works:

You can qualify for a Schedule Award as long as you’re not currently receiving other types of federal workers’ compensation, such as temporary total disability or loss of wage-earning capacity. Those benefits cover lost wages, while the Schedule Award compensates for permanent impairment. You can’t collect both at the same time, but you can move from one to the other once you’re medically eligible.

So when can you apply?

Once your doctor declares you’ve reached Maximum Medical Improvement (MMI) — meaning your condition has stabilized — you can begin the Schedule Award process. At that point, your work status doesn’t matter. You might be back at your federal job, working for a new employer, or already retired. As long as you’re no longer being paid wage-loss benefits, you can apply.

Why does this matter?

Many people think they have to wait until retirement to start the process, which can delay compensation they’ve already earned. Understanding your eligibility early helps you plan your next step — and ensures you receive what you’re entitled to under the Federal Employees’ Compensation Act (FECA).

The takeaway:

Retirement isn’t required. Being medically stable and off wage-loss compensation is. Once you meet those conditions, your Schedule Award can move forward — no matter where you are in your career.

Every Schedule Award case is unique. The Office of Workers’ Compensation Programs (OWCP) does not publish fixed timelines or guaranteed amounts. Outcomes depend on your medical evidence, impairment rating, and OWCP’s review process. The information provided here is for general educational purposes only and should not be taken as legal advice. For guidance on your specific claim, consult with an experienced federal workers’ compensation attorney.