Working After Disability Retirement
If you are thinking of going back to 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.
- You may work on a part-time basis or as a temporary-substitute for a PSRS-covered employer in any position up to 550 hours each school year and continue to receive your monthly disability benefits. Within those 550 hours, you can earn up to 50% of the salary you would earn in the same position full time, for the full school year. Learn more about the limit
- You can work for any employer that is not covered by PSRS with no effect on your PSRS benefits, regardless of hours worked.
- If you are self-employed as an independent contractor or consultant (based on IRS guidelines) after retirement, this also has no effect on your benefits.
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.