The Fund offers retirement benefits if you become permanently and totally disabled. That means if you're incapable of working for a living, and your condition is not expected to improve, you may be eligible to receive an annuity from the Fund.
To qualify for this benefit:

• You must have had contributions made to your basic account every month for at least five years and be under age 60
• You must have become disabled while you worked for a participating YMCA
• You have not taken a withdrawal from your basic accounts since leaving a YMCA
• You must apply for benefits within six months after terminating your YMCA employment, and be approved