Living with a disability can be challenging for you and your family, and requires a long term financial plan. ERSGA is here to assist you with navigating the steps to a potential Disability Retirement.
A Disability Retirement benefit is available for members of ERS, PSERS, and GJRS. Years of creditable service for eligibility, benefit, and benefit calculation differ according to plan. Please see your plan handbook for more details.
Qualifying for a Disability Retirement
In general, you must be unable to perform your job, or any offered alternative position, due to a permanent medical condition(s). This determination will be made by the ERSGA Medical Board based on a review of the medical information provided by you as part of your Disability Retirement Application. Only the ERSGA Medical Board can approve an application for Disability Retirement. If the ERSGA Medical Board determines that you do not meet the requirements for a Disability Retirement, your application will be denied.
You will find the Disability Retirement Application on this website under Forms. Look for your correct application form based on the Plan you are covered under.
Social Security Disability
If you have been contributing to Social Security, you may be eligible to apply for a disability benefit from Social Security. ERSGA representatives are not able to answer any questions or provide any information on Social Security benefits. Please visit the Social Security website for more information.
Long Term Disability
If you elected Long Term Disability coverage during Annual Enrollment, you may be eligible for a benefit from that plan. Visit the GaBreeze website.
Additional financial considerations for new employees:
- Live within your financial means:
- Reduce your spending habits. Little changes can add up to big savings!
- Review & shop around for expenses such as: utilities, home or car insurance policies, internet and cable. Inquire about disability assistance.
- Save for an emergency: 8 months of expenses
- Credit card debt:
- Contact the lender and inquire about payment plans if needed.
- Pay on time and always pay at least minimum balance.
- Pay off highest interest card first and then move on to the next.
- Do you know your credit score? Check your free credit report yearly for accuracy.
- Cyber security protection for your information and access
- Giving out personal information
- Strong Passwords
- Secure WIFI
- Four must-have documents:
- Revocable living trust
- Durable power of attorney for finances
- Durable power of attorney for healthcare