SLEEP APNEA

• American Sleep Apnea Association – www.sleepapnea.org
• National Center for Disability Services – www.necfoundation.org

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• FERS Question of the Week

  QUESTION: How is my high-3 salary calculated?

  ANSWER: Remember that your high-3 salary is calculated upon your base salary, alone. To figure it out, take the average of your highest base pay for any three years of consecutive service. While your highest base pay usually falls in your last three working years, it may be that you earned a higher salary at an earlier period in your federal career. If this is the case, your high-3 will be based upon that higher number.

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• DB Disability Blog

  • Why Disabled Clients Should Worry About "Independent" (Insurance) Medical Exams (IME's) May 18, 2012
    If you become disabled, one of the things the insurance carrier may demand is that you submit to an Independent Medical Exam, or IME. Most people assume that this examination is impartial because the word independent is used in the title. However, that could not be further from the truth. In fact, it would be a lot more accurate to call the exam an Insurance […]