No one wants to face the prospect of a long-term disability. Unfortunately, this is the only requirement for early medical retirement. From the army to the job market, thousands of workers are forced every year to leave their current jobs unexpectedly due to injury. If you have just suffered an accident at work and fear the prospect of retirement is near, read on to learn if you qualify for early medical retirement.
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Have a physician document the onset of a long-term disabling illness or injury that would prevent you from performing the current duties of your job. The documentation must also affirm that the illness would prevent you from obtaining future work. Essentially, the physician must render you "Disabled" and "Unable to Work" in order for you to qualify for early medical retirement.
Demonstate a state of permanence. Demonstrate a permanent disability that would prevent all future earning potential. Document the severity of the illness and have a doctor affirm that the disability is not reversable and could not be improved with surgery or physiotherapy. See the links below for more information about the application process.
Apply for disability retirement benefits. Obtain the appropriate forms and apply for disability insurance. Alternately, you may access a retirement account if you are able to fund your household with these income alone.
Tips and warnings
- Always consult a physician immediately and have him document the injury at each stage of development. These records may be used to qualify you for early medical retirement.
- Check out this link to find applications for early Medicare eligibility: www.rrb.gov/forms/PandS/rb1d/rb1d-4.asp
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