Many plans permit you to elect disability retirement benefits if you become disabled and meet certain minimum eligibility requirements (e.g. 10 years of service). These plans typically calculate your pension under a formula which assumes that you retired at the plan’s early retirement date or normal retirement date. If you are younger than the early or normal retirement age under the plan, you therefore can receive your pension with little or no reduction for the fact that you are receiving it early.
Please note that these plans may have a different definition of total disability than both your long term disability policy and Social Security. Check the terms of your plan and SPD to see if you are eligible. A NY disability lawyer in our office will be able to help you decipher the myriad requirements that you must meet in terms of this definition.