The Orange County Employees’ Retirement System and all other County Retirement Systems offer both retirement for service and disability. Disability or Medical Retirement become available in the event your medical condition renders you unable to perform your job.
If you become permanently disabled from your job you may have benefits available from your employment membership with the Orange County Employees’ Retirement System. Permanent disability means that your medical condition renders you unable to perform your job for an uncertain and extended time.
There are two types of disability retirement benefits available from the Orange County Employees’ Retirement System:
1. Non-service Connected Disability Retirement. If you have an injury or illness that causes you to be permanently physically or mentally disabled from performing the usual and customary duties of your job classification and you have 5 or more years of service credit, you may be eligible for this benefit. Non-Service means that your injury or illness is not caused or exacerbated by your job.
It is not automatic. You will have to prove to OCERS that your injury or illness permanently incapacitates from your job. That usually means that you have permanent work restrictions that are incompatible with your job that your employer will not accommodate.
When your condition is non-work related you will most likely not have forensic (med-legal) medical evidence to prove your disability from your job. You may only have chart notes or medical notes from your doctor that are not substantial in nature to prove your disability. Therefore, it is important that you understand what medical evidence you need to provide overall to OCERS to make the best possible claim to OCERS to prove you are disabled.
Many times employees fail to consider whether their job has caused or exacerbated their injury or illness. Thus, you may want to have a detailed job duty description available to discuss this potential effect of your job on your injury or illness with both your legal representative and doctors before you conclude your condition is not service-connected.
2. Service-Connected Disability Retirement: This benefit does not require that you have any specific amount of service-credit accumulated. Therefore, if you have an injury or illness that causes you to be permanently physically or mentally disabled from performing the usual and customary duties of your job classification AND your employment contributed to you being permanently incapacitated from your job in a “real” and “measurable” way, then you may be eligible for this benefit.
This benefit requires two findings. First, that you are permanently incapacitated from your job because of your illness or injury. Second, if so, then whether such permanent incapacity is caused in a real and measurable way by your job.
Under either the service-connected or non-service connected disability retirement benefit, the retirement system in most instances will have you evaluated by their routinely used doctors. These doctors are selected by the retirement systems. They are mainly doctors used to defend systems against claims. When the doctors are considering whether you are disabled from your job, typical defenses used to find you not disabled include that you are not as disabled as you claim, you are malingering, its because of your age or your problems are only subjective and cannot be confirmed by the objective medical evidence. There are a myriad of typical defenses that are used to defeat claims.
When pursuing your benefit, it is important you have your doctor prepared to complete the requisite form and, if necessary, prepared to assist to provide any further opinions to substantiate your claims. It is important you discuss your doctor’s willingness to complete forms and review material in connection with your disability retirement matter early on as many times doctors are reluctant.
The OCERS and all retirement systems also has on staff several attorneys trained specifically to defend against claims. They routinely handle the defense of these claims and know the pitfalls unwary applicants may fall into.
Jane H. Oatman, Esq.
Faunce, Singer & Oatman
1 (800) 874-2284