If you are vested (you have at least five years of service credit) and have a non-work-related disability, the amount of the disability retirement benefit will be the VRS formula amount or the guaranteed benefit, as described below, whichever is higher. If you are not vested, you will be eligible for the minimum guaranteed benefit only.
VRS Formula Amount
- If you are under age 60, the benefit will be equal to a percentage of your average final compensation (see chart below) multiplied by (a) twice the amount of your total service credit or (b) your actual service credit plus the number of years remaining between your age at disability retirement and age 60, whichever is less.
- If you are age 60 or older, the benefit will be equal to a percentage of your average final compensation (see chart below) multiplied by your total service credit.
| VRS Plan 1 | VRS Plan 2 | Judicial Retirement Plan |
|---|---|---|
| 1.7% | 1.65% | 1.70% if appointed or elected to an original term before January 1, 2013 1.65% if appointed or elected to an original term on or after January 1, 2013 |
Minimum Guaranteed Benefit
- If you qualify for Social Security disability benefits, the minimum guaranteed benefit will be equal to 33⅓% of your average final compensation. You will receive the minimum guaranteed benefit or the full VRS formula amount, whichever is higher.
- If you do not qualify for Social Security disability benefits, the minimum guaranteed benefit will be equal to 50% of your average final compensation. You will receive the minimum guaranteed benefit or the full VRS formula amount, whichever is higher.
For more information, call the Social Security Administration toll-free at 800-772-1213 or visit the Social Security Administration website.