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LifeEvents
Disability - Permanent

Becoming permanently disabled is a great change in your life. While some adjustments to your lifestyle may be small, others may signify a complete transformation.

This web site will help you find out which medical services that apply to your particular situation are covered. This research should help you figure out a medical and rehabilitation plan that suits your needs as well as your budget. It may also be helpful to find out what benefits are available to you through your spouse's plan.

Forms:

Additional Information:

DB Pension SPD/Plan Document

Planning Notes:

If your disability is determined to be due to illness or injury resulting from your job, you will be eligible for workers' compensation.

If you are under 65 you may be eligible for Supplemental Security Income (SSI). SSI generally makes monthly payments to people who are aged, disabled or blind and who have limited income and resources. You need to contact your local Social Security office to pursue the application process.

Benefit Plan Checklist Items regarding the Health Plans apply only to participants in the Southern California IBEW-NECA Health Plans. However, if you participate in another electrician health plan, it is likely that similar considerations will apply.
	If you become disabled while working in covered employment as an Employee, and you meet the other applicable provisions, you can receive 40 hours of credit towards eligibility for each week that you remain disabled, up to a total of 26 weeks.
	Go over the rules concerning the limited disability extensions to coverage and COBRA continuation coverage rules. Continued Health coverage is an essential ingredient to dealing with your disability.
	If you have experienced total and permanent disability, you will be eligible to withdraw your DC Pension Plan balance. If you meet the Social Security standard of disability and fulfill the other requirements, you may be eligible for retiring under the DB Pension Plan, and becoming covered for Health under the Retiree Health Plan.
	If you have experienced total and permanent disability, but you do NOT meet the Social Security standard of disability you may still be eligible for a partial disability retirement under the DB pension Plan (as well as being able to withdraw your DC Pension balance.)

External Related Links:
(These are listed for your convenience. The sites and the contents of the sites are not sponsored or endorsed by your benefit plans. Use them at your own risk.)

National Organization on Disability - Promotes full and equal participation of America's 54 million men, women and children with disabilities in all aspects of life.
AAPD - A cross-disability site with numerous resources and free membership available. Home of the Enable magazine.
disAbility Online - Maintained by the US Department of Labor Disability Employment Initiatives Unit of the Employment and Training Administration. Provides information on employment resources and services available to individuals with disabilities.
WorkSupport.com - Information, resources, and services regarding the employment of people with disabilities.
MossRehab Resource Net - Information and resources for the disabled.
Disability Benefits 101 - Covers California's disability benefits and helps workers, job seekers, and service providers understand the connections between work and benefits.