MSRS - Disability Benefit Calculation Example

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Last Updated: 05/27/2009

Home >> State Patrol Plan >> Disability Benefit Calculation

Disability Benefit Calculation Example

The amount you receive for disability benefits under the State Patrol Retirement Plan depends on whether or not the disability is job-related or non job-related. The minimum disability benefit for a job-related disability benefit is 60 percent of your high-five average salary. If you have over 20 years of service, you receive 3 percent for each year of service. The minimum benefit payable under a non job-related disability is 45 percent of your high-five average salary. If you have over 15 years of service, you receive 3 percent for each year of service.

Job-Related Disability Benefit Calculation:

Example 1
High-Five Average Salary	$ 48,000 ($4,000 per month)
Years of Service	10 years
Age at Disability	35 years
$4,000	Monthly Average Salary
x 60 %	Minimum job-related disability formula
$2,400	Monthly Disability Benefit

Example 2
High-Five Average Salary	$ 48,000 ($4,000 per month)
Years of Service	25 years
Age at Disability	49 years
$4,000	Monthly Average Salary
x 75 %	25 years x 3%
$3,000	Monthly Disability Benefit

Non Job-Related Disability Benefit Calculation:

Example 1
High-Five Average Salary	$ 48,000 ($4,000 per month)
Years of Service	10 years
Age at Disability	35 years
$4,000	Monthly Average Salary
x 45%	Minimum non job - related disability formula
$1,800	Monthly Disability Benefit

Example 2
High-Five Average Salary	$ 48,000 ($4,000 per month)
Years of Service	25 years
Age at Disability	49 years
$4,000	Monthly Average Salary
x 75 %	25 years x 3%
$3,000	Monthly Disability Benefit

How your MSRS benefit may impact benefits payable from Workers Compensation:
If you qualify for a MSRS disability and receive workers' compensation because of your disability, your workers compensation benefit will likely be reduced because of the disability benefits payable from MSRS. MSRS will pay your entire disability amount, and Workers' Compensation likely will apply the reduction.

How Your MSRS benefit may impact benefits payable from your Long-Term Disability insurance plan:
If you purchase an optional Long-Term Disability plan, the amount you are paid from MSRS will reduce the amount you are paid from your disability plan. Any amounts received from Social Security will also lower payments from your Long-Term Disability plan. For more information regarding your Long-Term Disability plan please contact The Department of Employee Relations at 651-296-2457.

If you would like an estimate of your MSRS disability benefit, please contact MSRS.

Minnesota State Retirement System
60 Empire Drive, Suite 300, St. Paul, MN 55103-3000
Telephone: (651) 296-2761, Toll Free: (800) 657-5757, Fax: (651) 297-5238
E-Mail: info@msrs.us
Please do not include confidential information, such as social security numbers, in email
correspondence with MSRS.
An Equal Opportunity Employer