Life Events

Important Note:
Notwithstanding any information in these Life Events pages or embedded links, for retirements that are first in pay status on or after April 1, 2017, certain Defined Benefit Plan provisions are scheduled to change in accordance with the adoption of Alternative Schedules 1 or 2 under the Second Critical Status Rehabilitation Plan.

Disability - Permanent

Becoming permanently disabled is a great change in your life. While some adjustments to your lifestyle may be small, others may signify a complete transformation.

This web site will help you find out which medical services that apply to your particular situation are covered. This research should help you figure out a medical and rehabilitation plan that suits your needs as well as your budget. It may also be helpful to find out what benefits are available to you through your spouse's plan.

Plan Checklist

Items regarding the Health Plans apply only to participants in the Southern California IBEW-NECA Health Plans. However, if you participate in another electrician health plan, it is likely that similar considerations will apply.

  • If you become disabled while working in covered employment as an Employee, and you meet the other applicable provisions, you can receive 40 hours of credit towards health eligibility for each week that you remain disabled, up to a total of 26 weeks.
  • Go over the rules concerning the limited disability extensions to coverage and COBRA continuation coverage rules. Continued Health coverage is an essential ingredient to dealing with your disability.
  • If you have experienced total and permanent disability, you will be eligible to withdraw your DC Pension Plan balance. If you meet the Social Security standard of disability and fulfill the other requirements, you may be eligible for retiring under the DB Pension Plan, and becoming covered for Health under the Retiree Health Plan.
  • If you have experienced total and permanent disability, but you do NOT meet the Social Security standard of disability you may still be eligible for a partial disability retirement under the DB pension Plan (as well as being able to withdraw your DC Pension balance.)

Also Consider...

Planning Notes:

If your disability is determined to be due to illness or injury resulting from your job, you will be eligible for workers' compensation.

If you are under 65 you may be eligible for Supplemental Security Income (SSI). SSI generally makes monthly payments to people who are aged, disabled or blind and who have limited income and resources. You need to contact your local Social Security office to pursue the application process.