To qualify for disability retirement, an employee must have separated employment before they can apply for disability with the Social Security Administration. To qualify for disability retirement, an employee must be certified disabled by the Social Security Administration. There is a five month waiting period before they are eligible to receive any benefits from Social Security. If approved, the employee is entitled to 60% of their average monthly earnings based on the last 60 months prior to becoming disabled. The benefit amount shall vary pending on the date the SSA declares the employee disabled. This amount is reduced by any amount received from SSA, regular City pension, and any federal disability they were already receiving when they came to work for the City. Also, it is reduced by any amount they may be receiving from Worker's Compensation. There is no service or age requirement, however the date Social Security declares you disabled must be a date that you were employed as a full-time employee.