OP&F’S DISABILITY PROCESS In the presence of terminal illness and incapacitation
WHAT TO DO? What steps can an active member’s family take in order to be protected in the event of terminal illness and incapacitation? 2
EMPLOYMENT STATUS AT TIME OF DEATH Disability benefit type and annuity payment amount varies based on a member’s payroll status at the time of death. Employment Status Annuity Selection ON-PAYROLL VALID INVALID OFF-PAYROLL If a member is not If a valid annuity If a valid annuity When a member is removed from active form is completed form is not removed from active payroll prior to death, prior to death, up to completed prior to payroll prior to death, the surviving family a 100% JSA can be death, up to a 50% the surviving family is ineligible to apply selected JSA can be selected is eligible to apply for for disability benefits. disability benefits. 100% 50% Disability Disability 3
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH In order to file for disability, specific documents must be signed and notarized prior to the member’s death. Required documents will vary based on the member’s membership status and degree of incapacitation. 4
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH APPLICATION Section A: Member information 5
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH APPLICATION Section A: Member information Section E: Disabling medical conditions 6
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH APPLICATION Section A: Member information Section E: Disabling medical conditions Sections J&K: Member authorization and affidavit & Notary public requirement 7
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH AFFIDAVIT Affidavit for Incapacitation • Mentally or physically impaired • Does not authorize JSA 100% selection • No indication of recovery per a physician 8
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH AFFIDAVIT Affidavit for Incapacitation • Member in DROP • Termination of employment before accepting grant: • DROP vests • Disability null/void 9
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH ANNUITY Annuity Payment Plan Affidavit for Incapacitation • Member or person with valid POA or court order authorizing Selection designation may complete form. Member, person with valid POA/court order Maximum JSA 50% without valid form 10
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH ANNUITY Annuity Payment Plan Affidavit for Incapacitation • Member or person with valid POA or court order Selection • JSA 100% provides maximum Member, person with valid POA/court order benefit to beneficiaries Maximum JSA 50% without valid form 11
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH ANNUITY Annuity Payment Plan Affidavit for Incapacitation • Member or person with valid POA or court order Selection • JSA 100% provides maximum Member, person with valid POA/court order benefit to beneficiaries • If not properly completed, JSA Maximum JSA 50% without valid form 50% maximum 12
DOCUMENTS TO FILE WITH OP&F PRIOR TO DEATH DURABLE POA • Effective upon execution Affidavit for Incapacitation Annuity Payment Plan • Continues until member death/ Selection revocation Member, person with • POA can designate self as valid POA/court order beneficiary with self-dealing Maximum JSA 50% provision without valid form • Seek legal advice prior to • signing 13
REVIEW DISABILITY PROCESS Terminal member must be removed from payroll prior to death. Forms to be completed prior to death: Disability Benefit Application Affidavit for Incapacitation DROP Affidavit Annuity Payment Plan Selection Limited Durable POA 14
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