You may qualify for disability retirement if you become unable to work because of an illness or injury that leaves you totally and permanently disabled. Total and permanent disability means you are unable to secure and keep any type of employment. ERF's Board of Trustees must approve all disability retirements.
There are two types of disability retirement; service disability and non-service disability.
If you become totally and permanently disabled due to a job-related injury, you may apply for service disability benefits. There is no minimum service requirement to qualify for service disability.
If you qualify for service disability, your benefit will be based on your years of credited service or on 10 years, whichever is greater. The service disability benefit has a minimum monthly payment of $1,000.
If your disability is not related to your work, you may apply for non-service disability benefits. The following Fund members are eligible for non-service disability retirement:
Active Members with 5 or more years of service credit.
Former Members with 10 or more years of service credit.
If you qualify for non-service disability, your benefit will be based on your years of credited service or on 10 years, whichever is greater.