I am a teacher applying for disability retirements in New Jersey. I suffered a serious fall and am permanently disabled, according to my doctors. If I am able to qualify, what are the requirements and how will the amount of my benefit be calculated?

You will be applying for Accidental Disability retirement. The New Jersey Division of Pensions and Benefits says that the process will take from six to eight months. During that time, you will be asked to document the following:

  • That you have an active pension account.
  • That you are permanently and totally disabled. This means you must provide evidence that you are mentally or physically unable to do your regular job or another job your employer assigns you. Detailed medical records are key.
  • Your disability must have been caused as a direct result of a traumatic event.
  • You must have been a member of the Teachers’ Pension and Annuity Fund at the time of this traumatic event.

In addition, you will be asked to prove that the traumatic event:

  • Happened at an identifiable time and place.
  • Was totally unexpected.
  • Was caused by something external, not the result of a pre-existing condition.
  • Happened as you were performing your regular assigned duties.
  • Was not caused by any negligence on your part.

Once you have qualified, you will receive the maximum option of 72.7% of your base salary at the time of the traumatic event.

If you apply and are denied, you have the legal right to appeal. The Trenton disability pension appeal lawyers at Gaylord Popp know how difficult it can be to deal not only with a disability, but also with seemingly endless red tape and paperwork.

Despite your best efforts, you could still be denied. Call us toll free today at 888-716-8086 to discuss your options.