Duty Disability Benefits

Work-Related Injury

If you are an active employee member of the Laborers’ and Retirement Board Employees’ Annuity and Benefit Fund of Chicago (“LABF”) and have filed a claim with your employer that establishes that you became injured while preforming your job duties, you may be entitled to receive Duty Disability (“DD”) benefits from the LABF. 

DD benefits from the LABF are designed to work in conjunction with the benefits under the Illinois  Workers’ Compensation Act (“WC”) to provide you 75% of your salary as of the date of injury. Certain adjustments may be necessary to account for outside income.  While receiving DD benefits from the LABF, pension contributions will be made on your behalf and you will continue to earn pension credit toward your retirement.


What to do if you are injured on the job:

  • File an incident/accident report with your department.Your supervisor will submit a report of injury to initiate your WC claim.
  • Contact your employer (City of Chicago employees may contact the City’s Benefits Service Center) to:

    • file an incident/accident report. A report of injury must be submitted to initiate your WC claim.

    • complete allnecessary documentation for your WC claim.

    • arrange or direct payment of health insurance and life insurance premiums, if applicable. Do this immediately; it is very difficult to reinstate health insurance after a lapse in coverage.

    • confirm your contact information.

  • Inform your union of your injury and arrange to pay your dues, if applicable.
  • Apply for DD benefits with the LABF.
NOTE: WC claims may take approximately 4 to 6 weeks to process. WC benefits may not be payable for the first 3 lost working days unless the lost time is 14 or more calendar days.


How to apply for LABF DD Benefits:

  • Call LABF at (312) 236-2065 to request a DD application.
  • Submit your signed application along with all required documentation. Refer to the bottom of this page for complete list of possible documents required. Each case varies; LABF will inform you of the documents required at the time you apply.
NOTE: Provided your WC claim has been approved AND your LABF DD application is complete, it will take approximately 4 to 6 additional weeks for LABF to process your DD claim.
The application process is time sensitive. Failure to act in a timely manner will result in loss of benefits and service credit for retirement annuity purposes.


LABF Approval Process:

  • LABF will confirm your WC claim has been approved and will verify your WC claim payment status.
  • An LABF-appointed physician will review your application and make a recommendation to the Board of Trustees (“Board”).
  • Upon recommendation from the LABF-appointed physician, your DD claim will be considered by the Board. The Board only considers DD applications once a month.
  • Upon the Board’s approval, the LABF will send you a Board approval letter regarding your disability benefits.


DD Benefit Payment:

  • Payments are mailed on the last working day of the month.
  • Upon return to work, it is your responsibility to notify the LABF to prevent an overpayment of DD benefits. If an overpayment occurs for any reason, you are obligated to repay all overpayments to the LABF. If the overpayment is not repaid upon your return to work, LABF reserves the right to offset any amount owed to LABF against any future payment owed to you.


Extension of DD Benefits:

  • Re-examination of the injury is required for continuation of benefits.
  • If you are eligible for an extension, notification will be mailed to you along with corresponding paperwork that is to be completed by your physician and returned to the LABF by the due date stated in the notice.
  • Upon the LABF’s receipt of the required documentation,the LABF-appointed physician will review the documents.
  • The Board’s approval is required to continue benefits. (See: LABF Approval Process)


Important Notes:

  • Members must apply in order to begin accruing DD benefits from the LABF (subject to the Board’s approval).
  • Members must submit an application for DD benefits to the LABF within one year of the injury date.
  • Members shall be eligible to receive service credit for retirement annuity purposes for periods during which they have received DD benefits from the LABF.
  • DD payments received from the LABF are not taxable; therefore, members will not receive an IRS Form 1099R from the LABF.
  • DD payments received from the LABF do not have to be repaid unless an overpayment occurs.
  • If WC benefits are approved for a coronary-related condition, the member is not entitled to any monetary benefit from the LABF; however, the member must still go through the LABF application and approval process to continue to receive pension credit.
  • DD benefits for Tier 2 and Tier 3 members are subject to certain restrictions. Contact the LABF for details.
  • Additional benefits may be due to members with children under the age of 18.


Below is a complete list of possible documents required to apply for DD benefits.
Please submit original documents of the following unless otherwise specified:

  • DD Application
  • Copy of Most Recent Physician or Mercy Works Report
  • Attending Physician’s Report
  • Copy of Incident or Accident Report
  • State or County Certified Record of Birth or Naturalization
  1. Member
  2. Children (under the age of 18)
  • Beneficiary Designation Form
    (Must be notarized. Scratch-outs or white-outs are not acceptable.)
  • Membership Information Form
  • Social Security Card(s) (photocopies are acceptable)
  1. Member
  2. Children (under the age of 18)

Please note, all original certified documents will be returned to you. Applications for benefits from the LABF cannot be processed until all required documents are received.


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