The minimum disability benefit is based on how many years of service credits?

The minimum disability benefit is based on 20 years of service credits because many retirement and pension plans require a significant duration of service to ensure that the employee has contributed adequately to the system. This 20-year threshold is often established to promote long-term commitment and stability within the workforce. It reflects the understanding that a certain amount of time is needed for benefits to be meaningful and sustainable for both the employee and the system providing the benefits. In many plans, it is also the point at which the benefits can begin to provide a reasonable level of financial support to individuals who are unable to work due to disability, as it helps ensure that they have a substantial stake in the system through their years of contributions. This is fundamental in the context of long-term benefits and planning for unforeseen circumstances such as disability.