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In New York State, police officers and firefighters who are rendered permanently disabled as the result of an on-the-job “accident” are eligible to receive a tax-free pension of 75% of their Final Average Salary. To qualify, the first responder needs to demonstrate that their work injury meets the definition of an “accident” as defined over time by New York State courts. An “accident” is a sudden, unexpected occurrence that was not a risk inherent in the work [...]