Disability retirement requires the completion of at least 5 years of creditable service and qualification for disability benefits by Social Security Administration and approval from the INPRS Board. The disability retirement commencement date is either:
To become eligible for a PERF Hybrid disability retirement:
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To qualify for a disability retirement from PERF, you must have an employment relationship with your perf employer in a PERF Hybrid covered position as of the onset date of the Social Security disability. |
At least once a year prior to you reaching age 65 or becoming eligible for an unreduced normal PERF Hybrid retirement based on age and total service, INPRS is required to confirm that you continue to remain eligible for Social Security disability benefits. Disability retirement benefit options and calculations for the monthly pension benefit (DB) and the DC (including rolled over funds) are the same as those for any other retiree with the exceptions that:
No creditable service will be granted during the period for which PERF disability benefits are paid. As a member who is a state employee, you are entitled to service credit for the time you receive short or long-term disability benefits under a State-of-Indiana-sponsored disability plan.
If your death occurs while you are still working or after you have separated from a PERF Hybrid covered position, and you have funds in your DC account and/or RSA, INPRS will disburse the funds based on the beneficiary information on file with INPRS. If no beneficiary is named, the funds go to your estate. Your spouse or dependent children may be entitled to your pension benefit if you die after June 30, 2018, and meet the following requirements:
To qualify, your spouse must be married to you for at least 2 years. Your dependent children may be entitled to a benefit if you do not have a qualifying spouse. If you have not been married for at least 2 years and do not have dependent children at the time of your death, no survivor benefit would be paid. See IC 510.2-3-7.5, IC 5-10.2-3-7.6, and IC 5-10.2-3-8 for more information. Note: Marriages are recognized regardless of gender.
Upon your death, INPRS will begin paying your retirement pension benefit to your designated survivor based on the options you chose at retirement. It is important that your survivor or someone who represents you contacts us to report your death. Here are the steps:
Applicable to all options for retirees with whom INPRS services the monthly annuity (prior to January 1, 2018):
then either the survivor(s) or your estate will be paid the remaining DC and/or RSA funds balance. If a total distribution of the DC and/or RSA funds was chosen as the payment option, this guarantee does not apply. Also, if a partial distribution of the DC and/or RSA funds was chosen, this guarantee only applies to the remaining DC and/or RSA funds balance.
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For your survivor to claim the benefit at the time of your death, your designated survivor must be on file at INPRS prior to your death. INPRS cannot accept a change of survivor after your death. |
For additional information about disability and survivor benefits, you can find information in the PERF Hybrid handbook. Disability information can be found starting on page 32. Death & beneficiaries/survivors information can be found starting on page 42.