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There is no minimum amount of service required to receive disability benefits from INPRS. If you become disabled, you can withdraw the 3 percent fixed contributions paid by the state of Indiana. You continue to accrue service credit even though you are on disability but not separated from service.
For example, you work for eight months, become disabled and receive disability for four years. After that time, you are no longer considered disabled. If you do not return to work for your employer, you can withdraw 80 percent of the employer contributions because you had eight months of service credit and accrued four years of service while on disability.
If you become disabled, INPRS will provide disability benefits if:
Timing of the disability onset date as established by the SSA before termination of the employer/employee relationship is critical. Please contact INPRS if you have any questions about establishing eligibility for disability benefits.
You may request a distribution online or speak to a Customer Service Representative if you have met the Social Security disability requirement. Disability withdrawals can be paid in a lump sum, a direct rollover to another eligible plan or as a monthly annuity.
All voluntary distributions for disability withdrawals require 100 percent of the available amount to be withdrawn.
If you meet age, service and minimum balance requirements, you must submit your elections using the PERF Retirement Application available on this Web site.
If you are an ASA Only plan member and die while in service, but not in the line of duty, or terminate employment before withdrawing your account balance, the account will be paid to your listed beneficiary(ies). The ASA balance includes the fixed 3 percent contributions, any rollover savings account contributions and the vested portion of the variable rate contributions (employer share).
If you do not list beneficiaries, or if they predecease you, the account will be paid to the surviving spouse, dependents or estate.
If you die in the line of duty, your listed beneficiary(ies) will receive the entire account balance. It includes the fixed 3 percent contributions, any rollover savings account contributions, and the entire balance of the variable rate contributions (employer share).
If you meet the conditions listed above and have been married for at least two years before your death, then your spouse qualifies for a survivor benefit. If there is no eligible surviving spouse, the survivor benefit is divided between all surviving dependents who are younger than 18 (or older if the dependent[s] is permanently disabled). If the member has neither an eligible surviving spouse nor surviving dependents, then no survivor benefit will be paid.