TSP withdraw during FERS disability

[Anonymous]

I’m recovering from surgery and currently on FMLA but thinking of applying for FERS disability retirement since my condition is worsening. I was told it could take up to 18 months for a decision on the disability worst case scenario and 3 months best case. I’m considering taking money out of my TSP but want to avoid the 10% penalty and income taxes if possible, especially if my disability doesn’t get approved. If my disability doesn’t go through would I be able to pay it back? Has anyone applied for FERS disability lately and taken a TSP early withdrawal? Thanks