Disability Retirement
Financial security for members who become permanently disabled
What is Disability Retirement?
Disability retirement provides financial security for ASGERF members who become permanently disabled and are unable to perform the duties of their position. This benefit ensures that you and your family have continued income when a disabling condition prevents you from working.
Protected Benefits
Continuation of retirement benefits when you cannot work due to disability
Family Security
Provides financial stability for your family during difficult times
Professional Review
Thorough evaluation process ensures appropriate benefit determination
Eligibility Requirements
Medical Requirements
Permanent Disability
You must have a medical condition that permanently prevents you from performing the essential duties of your current position.
Medical Documentation
Comprehensive medical evidence from licensed physicians documenting the nature and extent of your disability is required.
Unable to Perform Duties
The disability must prevent you from performing the material and substantial duties of your regular employment with ASG.
Service Requirements
While there is no specific minimum service requirement for disability retirement, you must be an active member of ASGERF at the time the disability occurs. The Board of Trustees reviews each case individually to determine eligibility.
Application Process
Initial Application
Submit a disability retirement application with ASGERF as soon as possible after the disability occurs.
Important: Apply promptly as there may be time limits for filing disability claims.
Medical Documentation
Provide comprehensive medical records and physician statements documenting your disability.
- • Medical history and diagnosis
- • Treatment records and progress notes
- • Physician's assessment of work capacity
- • Prognosis and expected duration of disability
Independent Medical Examination
ASGERF may require an independent medical examination by a physician chosen by the fund to verify the extent of your disability.
Board Review
The ASGERF Board of Trustees reviews your application, medical evidence, and makes a determination regarding your eligibility for disability benefits.
Benefit Determination
If approved, your disability retirement benefits will be calculated and monthly payments will begin.
Disability Benefit Calculation
How Benefits Are Calculated
Disability retirement benefits are calculated using the same formula as normal retirement benefits, based on your years of service at the time of disability and your highest average salary.
Disability Benefit Formula
Minimum annual benefit: $600
Key Considerations
- No early retirement penalty
- Based on service at time of disability
- Same payment options as normal retirement
Example Calculation
Important Information
Periodic Reviews
Disability benefits may be subject to periodic medical reviews to ensure the disability continues to prevent you from performing your job duties. You may be required to undergo additional medical examinations.
Return to Work
If your medical condition improves and you are able to return to work, your disability benefits will cease. ASGERF must be notified immediately if your work capacity changes.
Additional Resources
ASGERF staff can help you understand the disability application process and work with you to ensure all required documentation is submitted properly.
Need Help with a Disability Claim?
Our experienced team is here to guide you through the disability retirement process and help ensure your application is complete and properly documented.