General Assembly Retirment System

Bruce Rauner, Governor

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Disability Benefits Information

If you become disabled and unable to perform the duties of your position, you may receive disability benefits which will partially replace your working income.

Permanent Disability Benefits

Retirement Annuity for Permanent Disability

If you are permanently disabled, you may receive a retirement annuity if you have at least eight years of pension credit and your disability occurs while you are a legislator. The GARS Board of Trustees must determine if you are totally and permanently disabled and unable to perform your position.

Applying For and Receiving Permanent Disability Benefits

You must apply for disability benefits in order to receive them. The application process requires you to obtain two physician’s reports certifying you as unable to perform the duties of your position.

Your benefit begins on the day following your removal from the payroll. Your disability benefit equals your earned retirement benefit.

Contributions made before January 1, 1982 were taxed when you received them. Your contributions after January 1, 1982, were not included in your gross income and therefore are not immediately taxable. However, when you begin receiving benefits, you will be taxed on your contributions accordingly.

  • You pay no state income tax.
  • You will pay federal tax on most benefits. Specific information will be furnished when benefits are payable.

The best tax treatment for you depends on your individual financial situation. GARS advises all members to check with a qualified tax consultant or financial planner before receiving benefits or refunds.

Permanent Disability Benefit

Retirement Annuity for Permanent Disability
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