Federal workers who have stockpiled sick leave for medical emergencies or to boost their pensions are concerned about several pending bills to eliminate or cut back their sick-leave accounts.

Government employes, who get 13 days of sick leave a year, can now accumulate leave and apply it toward the service time needed to qualify for retirement.

Congress approved the leave credit system years ago because under the use it or lose it policy in effect then, many employes used up most or all of their sick leave just before retiring.

Key Reagan administration officials think that Congress made a mistake when it changed the system. They contend that sick leave should not be used -- or credited -- for any other purpose, and that proper management would eliminate most leave abuse.

One feature of the president's original civil service retirement "reform" package called for eliminating sick leave credit toward retirement. That plan, which also would raise the federal retirement age to 65, went nowhere in Congress.

Last month, however, Rep. Ron Packard (R-Calif.) introduced two bills that would deal with the sick leave credit policy without making other changes in the retirement system.

His first proposal would eliminate sick leave credit entirely. His second bill would allow employes to apply only 50 days of sick leave toward their retirement, no matter how much they have saved up.

Neither bill, however, is expected to go anywhere while Democrats control the House Post Office-Civil Service Committee.