Beat the retirement blues: What to expect when leaving LE
This entry was posted on 8/1/2007 12:04 AM and is filed under The Policevet,Pulling the Pin,American Police Veterans,Op Ed,Disability,Just the Facts,Beyond the Badge,Shattered Shields,Retirement,Advocacy.
Beat the retirement blues: What to expect when leaving LE
Editor, PoliceOne
with Rachel Fretz
AMERICAN POLICE VETERANS
There is a group for retired and disabled police officers. American Police Veterans www.policevets.org is a fraternal group offering peer support and advocacy. Policevet's members seek to maintain the sense of belonging, while aiding those seeking a successful transition to life beyond the shield.
Policevets also allows members to post articles on any subject relating to retirement planning, post career activities and post retirement advocacy in Beyond the Shield Journal of the American Police Veterans.
Policevet's peer support activities have proven to be a life saving resource providing understanding and compassionate response to those in need of an understanding audience.
Disabled officers are welcome in right from the moment of injury. Many of you know that a career ending injury will leave you socially isolated and financially strained. Policevets membership has been especially important to disabled police and their families throughout the disability litigation and retirement transition process. Policevets is does not offer legal, medical or mental health advice, yet its services cannot be underestimated.
Police officers need to promote healthy and truthful commentary on the effects of early-unplanned retirement due to career ending injuries. Throughout the country officers and their families are unprepared and will face a tough reality of few resources, little support and lost futures for their families.
The current retirement manta from the law enforcement media assumes a completed career on the heels of a pre retirement financial plan and adequate pension. It ignores the fact that injured officers suffering career ending injuries mirror those that die in the line of duty. They are young. Few die at the cusp of a retirement.
The disabled are in their 20's, 30's and 40's. They are paying college loans, mortgages supported by OT, extra duty details or through moonlighting; they have young children with plans for college educations.
These officers will be locked into pensions that reflect a portion of their base wages, while being locked out of the work force by income limits or threatened loss of the disability pension.
Many disabled officers will not qualify for social security disability. Their health care costs relating to the injury might be paid for by the employer or maybe not! They will take on a disportionate share of the healthcare costs. It some jurisdictions disabled officers must pay 100% of their healthcare costs until the statutory or contractual retirement age.
For the officers who have put aside money toward retirement or their children's education, they will find that will rapidly evaporate, as most disability retirement processes are adversarial.
Policevets is a positive experience for those in healthy retirement and those suffering the trauma of career ending injuries.
All American law enforcement officers are invited to participate in a unique American community of retired and disabled law enforcement officers at www.policevets.org.
Never Alone- Together as One
Original Article Source : http://www.policeone.com/health-fitness/articles/1295726/