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Coordinated Plan

For ERS Tier 3 and 4 Members

(Articles 14 and 15)

Tier 4 — Article 15 Disability Retirement Benefit

Eligibility

To qualify for this disability retirement benefit, you must have at least ten years of credited service, unless your disability results from an accident you sustain on the job. If your disability results from an on-the-job accident, not due to your own willful negligence, there is no minimum service requirement.

The Benefit

If approved, this is a benefit equal to the greater of:

  • 1/60th (1.66 percent) of your FAS for each year of credited service; or
  • 1/60th (1.66 percent) of your FAS for each year of credited service, plus 1/60th of your FAS for each year of service you might have earned before age 60, but not more than one-third of your FAS.

Example:

Member is age 57 with 19 years of service

Three possible years of additional service to age 60

FAS = $30,000

19 years × $30,000 ÷ 60 = $9,500
or
22 years (19 years + 3 additional) × $30,000 ÷ 60 = $11,000
Maximum benefit = 1/3 of FAS: 1/3 × $30,000 = $10,000
Benefit payable is $10,000

Example:

Member is age 57 with 12 years of service

Three possible years of additional service to age 60

FAS = $30,000

15 years (12 years + 3 additional) × $30,000 ÷ 60 = $7,500
Maximum benefit = 1/3 of FAS: 1/3 × $30,000 = $10,000
Benefit payable is $7,500

If your disability is the result of an on-the-job accident, the minimum benefit payable is at least one-third of your FAS.

If you are 60 or older at the effective date of your disability retirement and you have less than 20 years of credited service, your disability benefit would be equal to the benefit payable to you at the normal retirement age of 62, not to exceed one-third of your FAS.

If you are 60 or older at the effective date of your disability retirement and you have 20 or more years of credited service, your disability benefit would be equal to 1/60th (1.66 percent) of your FAS for each year of credited service.

Filing

You, your employer, or someone authorized with your power of attorney Adobe pdf may file your Article 15 Disability Retirement Application (RS6340) Adobe pdf. The application must be filed while you are still on the payroll, or within:

  • Three months of the last date you were paid on the payroll; or
  • Twelve months after receiving notification of termination of employment, provided you were on an authorized medical leave of absence or receiving Workers’ Compensation or other similar employer-funded benefits.