Bernadette Williams - Page 4

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               On December 2, 1999, petitioner’s physician cleared                    
          petitioner to return to “full duty” work with USPS.  Shortly                
          thereafter, petitioner returned to work at USPS and resumed her             
          duties as a mail carrier.                                                   
               Petitioner filed a bankruptcy proceeding in January 2000.              
          Throughout 2000, petitioner made specified payments to her                  
          various creditors as required by the terms of the bankruptcy                
          plan; however, the bankruptcy plan did not provide for any                  
          repayments to the retirement plan.  Accordingly, petitioner did             
          not resume making loan repayments to the retirement plan.                   
               In or around May 2000, petitioner’s back condition caused              
          her to stop working again.  In September 2000, the U.S.                     
          Department of Labor denied petitioner’s disability claim.  In a             
          letter dated May 18, 2001, petitioner’s physician stated that               
          petitioner could perform all duties with respect to her job                 
          except for getting in and out of the mail truck, and that she               
          could return to “light duty” work.  After being away from work              
          for approximately 1 year, petitioner returned to work for 4 hours           
          a day, but she did not resume her job as a mail carrier.  In a              
          letter dated October 9, 2001, petitioner’s physician further                
          stated that petitioner is “not totally disabled” and that she is            
          “capable of working an eight hour day” within prescribed limits.            
          In March 2002, petitioner returned to work full-time.                       








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