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Why do so many LIRR retirees apply for disability?

Why are so many LIRR retirees applying for a federal occupational disability pension?

Some believe that certain employees have a built-in incentive to apply under a now-closed LIRR pension plan that allowed them to retire at age 50 with 20 years of service. Those employees can retire at 50, collect an LIRR pension, and then apply for a federal disability pension that almost always is approved...

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