While TRS cannot give you advice on which retirement plan to apply for, here are some factors to consider. If you are a Tier I member who is eligible for immediate payment of a retirement allowance or a Tier II, III, IV or VI member who is eligible for an unreduced service retirement allowance, you may want to consider applying for a service retirement; the benefits would be identical to those under an ordinary disability retirement, and you would not have the restrictions involved with a disability retirement. However, if you are eligible for an accident disability retirement, you may receive a higher benefit and more beneficial tax treatment by electing an accident disability retirement rather than a service retirement.