Work-Related Disability

As an active member of a plan administered by MPERS, the state provides work-related disability (WRD) insurance at no cost to you.  WRD insurance is intended to replace a percentage of your income that is lost as a result of a disability arising out of or in the course of your employment.  If approved for WRD benefits, you will continue to accrue service credit under MPERS until you reach normal retirement eligibility.

The WRD benefit equals 70% of your pre-disability earnings, not reduced by deductible income, or 90% of your pre-disability earnings, reduced by deductible income.*

WRD benefits end on whichever of these dates occurs first:

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

*Deductible income includes other sources of income you may be receiving in conjunction with your WRD benefit.  The following deductible income sources will reduce your WRD benefit:

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

To apply for this benefit, you must complete the forms contained in the disability packet.