Coverage B: Disability Retirement Program
Members who joined CalSTRS on or after October 15, 1992, and for individuals who elected Disability Retirement Coverage B during the election held between October 1992 and April 1993 are covered by the Disability Retirement Program, Coverage B.
Members receiving a disability retirement benefit are considered retired from active status. Benefits will continue to be paid as long as you remain disabled.
If it is determined that you are no longer disabled, or you return to full-time employment, your disability retirement will be terminated and you will be reinstated to active membership.
To apply for a disability retirement benefit, you must meet the following requirements:
- You must have five or more years of credited service.
- Your last five years of credited service must have been performed in California.
- Four of the five years of credit must be for actual performance of creditable service.
- At least one year of service credit must have been earned either:
- After receiving a disability benefit.
- Following a service retirement.
- Following the most recent refund of your accumulated contributions.
If you were disabled due to an unlawful act of bodily injury while you were working in CalSTRS-covered employment, you may qualify for disability benefits with one year of service credit. Contact CalSTRS for more information.
Disability Retirement Benefit
In general, the basic disability benefit is 50 percent of your final compensation. The maximum benefit you can receive, including benefits for eligible dependent children, is 90 percent of your final compensation.
Disability Retirement Earnings Limit
You can earn money after you begin receiving a disability retirement benefit. You can teach under certain employer conditions, but you are not allowed to earn CalSTRS service credit or contribute to CalSTRS while receiving a disability retirement benefit.
However, your earnings from all types of employment, including self-employment, are subject to an earnings limit, unless you are participating in an approved CalSTRS rehabilitation plan.
Your CalSTRS disability retirement benefit will be reduced dollar-for-dollar by the total amount of earnings from all employment in excess of the 12-month calendar year limit. You will be required to provide CalSTRS with an annual report of your gross earnings from all employment. The Employment Development Department and your employer will verify your reported earnings.
The 2018 calendar year earnings limit is $30,300. The limit is determined early each calendar year.