Medical retirement occurs when a person is unable to return to work because of total disability and retires due to medical reasons. In order to qualify for medical retirement, the person must be certified to be totally disabled. If the person qualifies for medical retirement, he or she is entitled to medical retirement benefits.
If a person is on disability and unable to return to work for medical reasons, and he or she will receive a letter from the Employer requesting him or her to either
1) return to work;
2) quit; or
3) take medical retirement.
Medical retirement is a special type of retirement which requires the person to become disabled from work due to medical reasons. In order to qualify for medical retirement, the person’s disability must be long term and must be the reason why he or she cannot work. Receiving medical retirement benefits will allow the person to continue paying his or her regular bills, and potentially allow him or her to keep his or her home and pay related taxes.
How to apply for medical retirement
In order to receive medical retirement benefits, the person have to apply for it. Applying for medical retirement is a rigid process.
1. To confirm the person has a long-term disability, he or she needs to visit his or her doctor. The physician must document the disability and show his or her disability prevents him or her from working. The person’s injury or illness must prevent him or her from performing the duties of his or her job, and must also prevent the person from working in another industry or field.
2. The person needs to demonstrate his or her disability is a permanent long-term disability. Medical retirement requires that the person be permanently disabled and unable to ever return to work. In addition, the person’s disability must not be reversible in any way through surgery or other means, and it must prevent all future earning potential.
3. The person needs to apply for disability medical retirement benefits. This type of disability insurance is also called “disability retirement.” If the person is a federal employee, apply for federal disability retirement through the Federal Employees Retirement Service (FERS) or the Civil Service Retirement System (CSRS). The person can also apply for medical retirement benefits through his or her state if he or she is a state employee.
Medical retirement is an early retirement from a job because of an acquired disability that makes it impossible to continue working. Depending on workplace policies, the employee may be eligible for some retirement benefits.
Disabilities that lead to medical retirement can happen to anyone, and to learn some information on medical retirement may help you and your loved ones. A employee should be familiar with the policies in his or her workplace so that, in the event of a medical retirement, he or she is prepared ahead of time.
For military members, please see Military Medical Retirement, if you are interested.