Decision Process

The final step in the application process is issuing a decision on whether or not eligibility criteria for disability retirement have been met. Decisions are typically communicated with applicants over the phone. Those conversations are followed by a written decision, which provides the results of MainePERS’ review and any rights the applicant may have for appealing the decision issued. This decision will outline one of the following scenarios:

Approval of Benefits

When the application is approved, the approval letter from MainePERS will include paperwork that must be completed and returned to MainePERS. All monthly payments issued by MainePERS are required to be direct deposited into a U.S. bank account. Additionally, applicants may choose to complete a W-4P, W-4ME and/or Non-Resident Certification for Maine Tax Withholding form in order to have taxes appropriately withheld from their benefit check.

Most retirees receive their first benefit check at the end of the month after their direct deposit form has been received. The first benefit payment will also include retroactive benefits when applicable for those whose effective date of retirement is in the past. Interest will be paid on retroactive benefits from the effective date of the Disability Retirement through the date the payment is made. Most benefit recipients receive a preliminary benefit equal or close to the amount provided on the estimate calculation previously provided. Once the benefit amount has been finalized, the recipient will be notified of any change to their monthly benefit. A retroactive payment for the difference between the preliminary benefit and the final calculation will be made when necessary. In the occurrence of an overpayment, the balance due is typically withheld from ongoing monthly benefits until paid in full. Benefit recipients are informed prior to a reduction in benefits.

Denial of Benefits

If at the conclusion of the application process all eligibility criteria have not been met, a denial will be issued. A decision letter will be mailed to the applicant which will provide appeal rights.