Coverage A or Coverage B

General Information

If you became a member before October 16, 1992, and did not elect Coverage B before April 1993, you have Coverage A.

If you became a member of CalSTRS on or after October 16, 1992, you have Coverage B.

In general, the basic disability benefit available under both types of coverage 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.

Coverage A: Disability Allowance

If you became a member of CalSTRS before October 16, 1992 and did not elect Coverage B before April 1993, you have Coverage A.

The Coverage A disability benefit (disability allowance) is generally 50 percent of final compensation. The Coverage A disability benefit will be paid as long as you remain disabled or until you reach age 60. At age 60, your disability benefit will end and you must apply for service retirement to receive a monthly benefit. Your disability benefit may continue beyond age 60 only if you have eligible children and remain disabled.

To qualify for a disability benefit under Coverage A you must meet the following requirements:

  • You must be less than age 60.
  • You must have five or more years of credited service. (If you were the victim of an unlawful act on the job, you may qualify for a disability benefit with one year of service credit.)
  • 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. You must have earned at least one year of service credit following a service retirement termination, or following the most recent refund of your accumulated contributions.

If you plan to reinstate to active member status, first make an appointment with a CalSTRS benefits specialist to discuss important considerations, including how your future benefits may be affected.

Coverage B: Disability Retirement

If you became a CalSTRS member on or after October 16, 1992, you are covered under Coverage B. If you were a CalSTRS member on or before October 15, 1992, you remain under Coverage A unless you elected Coverage B before April 1993.

The Coverage B disability benefit (disability retirement) is 50 percent of your final compensation. Your final compensation must be determined before your monthly benefit can be calculated and may be reduced for periods of part-time employment. Service credit is not a factor in determining your disability retirement benefit.

You will not receive service credit while you receive a disability retirement benefit. Your benefit will continue to be paid as long as you remain disabled, without respect to age. If we determine you are no longer disabled, your disability retirement will be terminated.

If you plan to reinstate to active member status, first make an appointment with a CalSTRS benefits specialist to discuss important considerations, including how your future benefits may be affected.

To apply for a disability retirement benefit, you must meet the following requirements:

  • You must have five or more years of credited service. (If you were the victim of an unlawful act on the job, you may qualify for if you have one year of service credit.)
  • 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 after one of the following:
      • Receiving a disability benefit.
      • Service retirement.
      • The most recent refund of your accumulated contributions.

There are no age restrictions.