Working After Disability Retirement

If you are thinking of going back to work while receiving PSRS disability benefits, it is important to understand how working after retirement can affect the payment of your disability benefits.

The effect of work on your disability benefits depends primarily on whether you have reached age 60.

Effects of Working After Disability Retirement

Before age 60, your disability benefits stop if:

  • You are employed in any capacity for a PSRS-covered employer.
  • You are employed in any type of non-PSRS-covered employment and the salary for that employment is considered a livelihood as determined by the PSRS/PEERS Board of Trustees (currently earning $18,000 or more per year).
  • You can request a trial return to work. While you work on a trial basis, your disability benefits are put on hold. If you are unable to complete the trial, PSRS will request a medical examination to determine your disability status. If that examination confirms that you are still considered disabled, you can resume receipt of your disability benefits, effective the month following the end of your trial employment. If you successfully complete the trial return to work period, contact us to determine the status of your membership.

Once you reach age 60, work limits apply to those working for PSRS-covered employers in any position, and to those working for third-party providers or as independent contractors in certificated positions while performing duties at PSRS-covered schools. Work in other types of positions will not affect the payment of your benefits.

The work limits vary depending on your employer and whether the position in which you work as a retiree requires you to have an educator certificate issued by the Missouri Department of Elementary and Secondary Education (DESE). When reported by your employer as working after retirement, you will receive information from us regarding your limits. To learn more, visit Determining Your Post-Retirement Limits.

Disability retirees age 60 or older may work full-time for up to a total of two years at PSRS-covered employers that have declared a critical shortage of employees, without losing PSRS benefits.