A more thorough explanation:

A disability retirement plan is a type of employee benefit plan that provides increased benefits if a person retires because of a disability or is disabled from working to normal retirement age. This plan is invoked when a covered person is disabled and unable to work.

For example, if an employee becomes disabled and is unable to work until normal retirement age, they may be eligible for disability retirement benefits under their employer's plan. These benefits may be in addition to any other disability benefits the employee may be entitled to receive.

Another example is if an employee retires early due to a disability, they may be eligible for increased retirement benefits under their employer's plan. This is because the employee is retiring earlier than expected and may not have had the opportunity to accumulate as much retirement savings as they would have if they had worked until normal retirement age.

Overall, a disability retirement plan is designed to provide financial support to employees who become disabled and are unable to work. It is an important benefit that can help employees maintain their standard of living and financial security during a difficult time.