Disability 75% Joint and Survivor Option


This optional form of pension is similar to the Disability Husband and Wife Pension and Disability 66 2/3% Joint and Survivor Option.  However, with this option, your monthly payment is reduced to an even greater degree than the other two options because the benefit that will be continued after your death to your surviving spouse will be even greater.


The Disability 75% Joint and Survivor Option is a two-life pension that pays an amount to you for the rest of your life and then, in the event your spouse survives you, pays 75% of your monthly pension amount to your surviving spouse.


In calculating the Disability 75% Joint and Survivor Option, a reduction of 21% plus 0.5% for each year your spouse is younger than you are is applied to your normal or early retirement amount.  Similarly, if your spouse is older than you are, the 21% reduction is made smaller by 0.5% for each year your spouse is older.  There is always a reduction of at least 13% for this form of pension.


You can contact the Fund office for the amount that would be payable to you based on your current pension credits.


Internal  Links


How do I qualify for a Disability Pension?

Which option should I choose?

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