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Retirement Plan

For ERS Tier 5 Members

(Article 15)

Article 15 Disability Benefit

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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 1/3 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 a result of an on-the-job accident, the benefit payable is at least 1/3 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 1/3 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.