Work-Related Disability

Work-Related Disability (WRD) Insurance

WRD insurance is intended to replace a percentage of income lost as a result of a disability that arises out of or in the course of your employment. If you are approved for WRD benefits, you will continue to accrue MPERS service credit until you reach normal retirement eligibility.

WRD Benefit Amount

The WRD benefit equals:

• 70 percent of your pre-disability earnings, not reduced by deductible income, or
• 90 percent of your pre-disability earnings, reduced by deductible income.

When WRD Benefits End

WRD benefits end on the earliest of the following dates:

• The date you no longer meet the definition of disability
• The date you fail to provide proof of continued disability when requested
• The date you begin receiving retirement benefits or reach age 65
• The date you return to active work
• The date of your death

Deductible Income

Deductible income includes other sources of income you may receive while receiving WRD benefits. These income sources will reduce your WRD benefit:

• Work earnings
• Social Security Disability benefits
• Workers’ Compensation
• Unemployment compensation
• Benefits from another group disability plan

How to Apply

To apply for WRD benefits, complete the required forms in the MPERS Disability Packet (PDF).