Hire a Lawyer for your Mass. Disability Retirement Case

DISABILITY_RETIREMENTIn order to receive Accidental Disability Retirement (ADR) benefits in Massachusetts, an applicant must prove that he or she is permanently incapacitated from performing the essential duties of his or her position because of an injury sustained or hazard undergone while in the performance of his or her duties.

Every Massachusetts Accidental Disability Retirement case requires a certificate from a medical panel comprised of three physicians who must answer “yes” to the questions of disability, permanency, and causation. However, a medical panel certificate which unanimously states that an applicant was permanently disabled in the performance of his or her duties does not guarantee the award of a disability retirement. While the applicant’s retirement board may not generally ignore the medical panel’s findings, the retirement board is entitled to consider both the medical and non-medical evidence when ruling on a disability retirement application.

Having a lawyer represent you in a Massachusetts Accidental Disability Retirement case is important because you must convince the retirement board that you are permanently unable to perform the essential duties of your job by reason of a personal injury sustained or hazard undergone, as a result of, and while in the performance of your duties. This can sometimes be difficult to prove, depending on the facts and circumstances of the individual case.

There is no minimum age or years of service requirement to be eligible to apply for an Accidental Disability Retirement in Massachusetts. Please contact me if you believe that you can no longer perform your duties and you need to file for an accidental disability retirement in Massachusetts.

Notice Requirements for Accidental Disability Retirements

G. L. c. 32 § 7 (1) imposes strict reporting requirements which must be satisfied when applying for an accidental disability retirement in Massachusetts. Specifically, the law requires that your ADR application must be filed within two (2) years of the personal injury or hazardous exposure which you sustained, unless a notice of injury was filed with your local retirement board within ninety (90) days of the injury date.

There are a few exceptions to the reporting requirements. For example, if you are a public employee who is classified in Group 2, 3, or 4, you are excused from the reporting requirement if you were placed on Injured on Duty (IOD) leave pursuant to G.L. c. 41 § 111F or if the official records of your department contain injury reports. Likewise, if you received workers’ compensation payments for the injury upon which your Accidental Disability Retirement claim is based, you are excused from the 2 year filing limitation.

Limiting filings in cases where the injury was sustained more than 2 years prior to the filing may appear severe and the Division of Administrative Law Appeals has recognized the application of this rule sometimes has harsh impacts. However, DALA has noted that it is up to the Legislature to change the law if that is what is warranted. Otherwise, the law must be applied as written and if no recognized exception applies, only injuries and hazardous exposures which have occurred during the 2 year period immediately preceding the ADR application date can be relied upon as justification for the retirement.

Given the above-mentioned reporting requirements, public employees should file injury reports whenever they sustain an injury in the workplace and they should adequately document exposure to occupational hazards. Unless injury reports are placed on file in the official records of the injured employee’s department for those classified in Groups 2, 3, or 4, it is the injured employee’s department head’s legal obligation to notify the Retirement Board within 15 days of learning of the occupational injury.

 

Pension Forfeiture in Massachusetts

There are certain circumstances which might cause a Massachusetts public employee to lose his or her pension, whether the person is currently employed or has already retired. For example, G.L. c. 32, § 15(1) provides that a Massachusetts public employee who has stolen or misappropriated funds from his or her employer will forfeit his or her pension. In pension forfeiture cases, the term “misappropriation” is broadly construed and it extends beyond salary payments improperly made.

G.L. c. 32, § 15(1) does not require a conviction for the loss of a public pension due to misappropriation from a public employer. All that is required is a hearing held by the employee’s local retirement board. When a pension is forfeited due to a misappropriation of public funds, the employee is entitled to a return of his or her accumulated retirement deductions less any amounts which were misappropriated.

An employee who has been convicted of public corruption or extortion by a police officer or licensing official will lose all rights to his or her retirement as well as a return of his or her accumulated retirement deductions.

Any Massachusetts public employee who has been convicted of a violation of a statute applicable to his official position will forfeit his right to receive a Massachusetts retirement. In cases such as this, the employee or retiree is generally allowed to receive his or her accumulated retirement contributions, unless there was misappropriation or some other reason for the loss of deductions. Convictions of state or federal crimes can result in pension forfeiture. In cases such as this arguments sometimes arise as to whether the conviction was for a violation of laws applicable to the person’s position or office. In order to make this determination, the unique facts and circumstances of each individual case must be analyzed. Except in cases involving teachers and police officers, a public employee’s off-duty conduct is generally not considered official misconduct which results in the loss of a retirement.

Some individuals facing pension forfeiture have made claims that the loss of a pension constitutes an excessive fine in violation of the Eighth Amendment to the United States Constitution.

Massachusetts public employees who are terminated for moral turpitude lose their retirements, but they are entitled to a return of their accumulated deductions.

Electrician Injures Back while Bending to retrieve Pen

penRobert Stevens worked as a Mass Highway Department as an electrician in Lenox, Massachusetts.  After an appeal hearing he was awarded accidental disability retirement benefits, due to a personal injury he sustained on January 9, 2006, when he bent over and twisted to retrieve a pen he had dropped.

In some cases, accidental disability retirements are denied when the injury suffered is a result of a common movement of everyday life. However, the DALA Administrative Magistrate ruled that when a disabling injury is caused by one event, the applicant need not prove that the event was one not common to a great many jobs.

In this case, Stevens demonstrated that his disability is likely to be permanent and he has been unable to perform the essential duties as a Mass Highway Department electrician since 2006.

He was diagnosed with disabling L5 radiculopathy which the medical panel ruled might be the natural and proximate result of the injury sustained on January 9, 2006.

Prior to January 9, 2006, Mr. Stevens was able to perform the essential duties of his job. Within weeks after that date, he was unable to perform the essential functions. His back and left leg became immediately painful after the pen event. He promptly filed a notice of injury and sought medical attention the next day. Despite physical therapy and medication, both Mr. Stevens’ primary care physician and his treating neurologist determined that he was not able to perform the essential functions of his position and both physicians concluded that the injury of January 9, 2006 was, in fact, the natural and proximate cause of his disabling L5 radiculopathy.

Mr. Stevens is, therefore, entitled to a 72% accidental disability retirement.

 

Mental Disabilities & Stress

You are entitled to receive accidental disability retirement benefits in Massachusetts if your are permanently unable to perform the essential duties of your job if you sustained either a physical or mental disability. The mental disability must have been sustained while in the performance of your duties. It is possible to receive an accidental disability retirement due to stress or other mental or emotional disabilities. However, you must demonstrate that the source of the disability is “an identifiable condition … that is not common and necessary to all or a great many occupations.” Thus, it is not enough to show that the disabling stress is work related. You must also prove that “an identifiable condition … that is not common and necessary to all or a great many occupations” is the source of your disability.

Many jobs are mentally taxing and “stressful.” Thus, you must show that your mental or emotional disability was the result of something peculiar in your work that would distinguish your occupation from a wide variety of others, where employees face similar pressures and stressors in the workplace.

Post-traumatic stress disorder can form the basis for an accidental disability retirement award where an employee is exposed to traumatic events or experiences in connection with his or her employment.

A mental disability which arises out of a legitimate personnel action such as a termination, demotion, or transfer cannot be the basis of a mental disability retirement claim.  However, extreme workplace harassment may form the basis of a mental disability claim. In order to qualify, the harassment must rise to the level of intentional infliction of emotional harm and the work atmosphere must have been unbearable and not like working environments that are common to many workers in various occupations. Routine job conflicts and arguments with co-workers and supervisors, do not rise to that level.

Due to the lack of objective physical evidence, disability retirements based on stress or mental issues can be difficult to obtain. Contact a lawyer for more information.

Firefighter Receives Disability Retirement for PTSD

Joseph  Battersby began employment as a Boston Fire Fighter in January 1991. He was dispatched to a multi-family building fire on August 16, 2008 along with a Lieutenant who was not the usual Lieutenant he worked with, and one other Fire Fighter. As he had often done, Mr. Battersby was the first inside the building carrying the hoseline. He thought the Lieutenant was behind him. There was concern a baby might be inside the building. Mr. Battersby looked around and found no one. His radio fell off his gear and he could not locate it due to thick smoke. There was no water through his hoseline. He took off his mask to locate his radio. It was wrapped around the hoseline and inaccessible as he began to succumb to the smoke. He became unable to function. He was inside about twenty minutes. He recalls being dragged out of the building and brought to the Engine truck. From there, he was brought to Massachusetts General Hospital because of heat exhaustion and smoke inhalation. He received oxygen and IV fluids for about seven hours before being released and brought back to his Engine house where he was released to go home. The record of his treatment at the hospital noted treatment by Dr. William Tollefsen for dehydration and smoke inhalation that had exacerbated an asthma condition. The incident was reported to the Fire Department as smoke inhalation with no information about any psychological trauma.

Mr. Battersby stayed out from work. He received G.L. c. 41, § 111F (IOD) benefits until October 20, 2008, when his condition was no longer found to be job related. He continued treatment for anxiety.

He had a psychiatric evaluation conducted by a psychiatrist with the Lahey Clinic. He was diagnosed as having a major depressive disorder with psychosis. He was further diagnosed with “severe symptoms of PTST  [post-traumatic stress disorder] triggered by the events of August 16th, 2008.” His PTSD symptoms included “flashbacks, insomnia, nightmares, hypervigilance, anxiety and intrusive thoughts.” He was determined to be “psychiatrically disabled” from performing his duties as a Boston Firefighter.

He reported receiving telephone calls and a letter from the Boston Fire Department informing him that he would need to start using his sick time and vacation time because he was no longer found to be out from work due to any job connected injury. He expressed his feelings “that there is no one he can trust in the fire department and feels angry and that he needs to retire.” He was further diagnosed with acute stress reaction and anxiety. He stated that he “had been extremely stressed and upset about the idea of going back into the same work environment that triggered his illnesses.

Mr. Battersby filed a written resignation and intent to retire letter with the Boston Fire Department, dated December 4, 2008, to be effective the next day. His employer accepted his resignation as a voluntary separation from service. He sought a superannuation retirement. By letter of February 9, 2009, the Boston Fire Department was informed by the Boston Retirement Board that it approved Mr. Battersby’s superannuation retirement to become effective December 5, 2008.

On December 26, 2008, Battersby’s treatment providers produced a detailed report about his mental health condition and their treatment of him for purposes of an accidental disability retirement application. At that time, he was found to be unable to work at any job.

Mr. Battersby filed an application for accidental disability retirement benefits on February 25, 2009. In the Employer’s Statement, the Boston Fire Department wrote, “the Fire Department does not support Joseph Battersby’s application for accidental disability retiremnet as there is no medical or psychological documentation or incident reports within his departmental medical file to support this claim. Furthermore, Joseph Battersby retired from the Boston Fire Department in December 2008.

On appeal, Mr. Battersby was awarded an accidental disability retirement. The rationale for the award was that he satisfied his burden of proof on causation. There was no other competing life event in the record that explains his disability. The medical opinion evidence gone far enough to prove the psychiatric injury at the August 16, 2008 fire was the most important of all triggers to his current state of disability, and it does. The non-medical facts show something happened to Mr. Battersby during that time he was in the fire consistent with the claim he made, and they do. Mr. Battersby’s testimony and his accounts given to mental health providers within weeks of the fire, show he experienced the fire as a very frightening event in addition to having smoke inhalation difficulties.

Therefore, the decision of the Boston Retirement Board was reversed, and Mr. Battersby was awarded accidental disability retirement benefits.

Parking Enforcement Officer Denied Accidental Disability Retirement

The Massachusetts Contributory Retirement Appeal Board recently upheld the denial of accidental disability benefits on the grounds that the applicant failed to establish that her employment as a Parking Enforcement Officer in the City of Boston resulted in her disability.

Claire Collins was a parking enforcement officer with the Boston Traffic Department from 1992 to 2005. Prior to working as a parking enforcement officer, she had suffered a back strain or sprain while working at a dry cleaners, and had lost two days of work. During her years as a parking enforcement officer, she had multiple slip and fall injuries causing back strain or sprain. She lost, at most, five weeks work time from any single injury, and returned to work without restrictions, although she worked with back pain following a 1993 injury. She received workers’ compensation for the injuries that caused her to lose work time. Her last reported on-the-job injury was in January 2003.

Ms. Collins’s back problems grew progressively worse, and when she could not walk adequately to perform her job, she retired early on May 31, 2005, more than two and one-half years after her last reported work injury.

She continued to attempt to work, taking two jobs that required driving and another as a housekeeper. These efforts lasted only briefly, with the longest period of employment thereafter of two and one-half weeks. She could not handle the driving jobs because of back spasms; she also had difficulty picking up objects.

On March 20, 2008, Ms. Collins applied for accidental disability retirement.  In her application, she stated that she had lumbar radiculopathy [nerve compression in the lower spine that can cause pain], facet joint arthopathy [arthritis of the facet joints of the spine],  and a bulging disk with narrowing of the left lateral recess. She alleged in her application that these medical problems were caused by seven personal injuries she sustained on the job.

A PERAC medical panel was convened and each physician opined that Collins was physically incapable of performing the essential duties of her job, and that her incapacity was likely permanent. However, only one member of the panel answered the question of causation in Collins’ favor.

One doctor’s assessment was that “these are chronic degenerative changes in her spine, unrelated to any particular work accident, and similarly, although she is disabled from work, that disability does not appear clearly related to any of her. . . work injuries.” Ms. Collins was found to have degenerative arthritis and degenerative disc disease. Another doctor noted, “this is the natural progression of underlying degenerative arthritis and degenerative disc disease, and is not the result of any specific injury at work. Gradual and increasing problems are anticipated. In my opinion said incapacity is not the proximate result of a work injury sustained on account of which retirement is claimed.”

On January 10, 2010, the Boston Retirement Board denied Ms. Collins’s application on the basis of lack of causation. Ms. Collins claimed she was eligible for an accidental disability retirement because the work-related back injuries aggravated her underlying back problems. However, the majority of the medical panel adequately addressed and ultimately rejected this theory.

Because the medical panel found that Ms. Collins’s incapacity was not job-related, and there has been no showing that the panel applied an erroneous standard in reaching this conclusion, the Boston Retirement Board’s decision denying her application for accidental disability retirement was affirmed on appeal.

Risk of Re-Injury in Massachusetts ADR Cases

You may qualify for an accidental disability retirement (ADR) if you are physically able to perform all of your essential duties, you may still be eligible for an ADR if returning to work would constitute an unreasonable risk of substantial harm to yourself or third parties, due to a risk of re-injury.

For example, where a PERAC Medical Panel ruled against an ADR applicant, a new medical panel was convened because the first panel failed to consider the risk of re-injury. The question for the new medical panel to answer is: in light of the applicant’s history of rotator cuff rupture, and in light of his essential job duties that require him to lift adult male clients, and restrain violent adult male clients, is he able to perform the essential duties of his job without a reasonable probability of substantial harm to himself or third parties?

In another case, a police officer who sustained a knee injury was entitled a to a new medical panel  to consider and evaluate a whether there was a risk of re-injury to the officer’s knee and, due to such risk,  whether he would be a danger to others while undertaking strenuous police work.

If there is a risk of re-injury, the applicants will be entitled to an accidental disability retirements.

Police Officer Denied Disability Retirement Benefits for Slip & Fall

iceInjuries sustained while travelling to work may not be considered “in the line of duty” and, therefore, not entitle you to an accidental disability retirement. In order to qualify for an award of accidental disability retirement benefits, pursuant to G.L. c. 32 § 7(1), you must prove that you are permanently unable to perform the essential duties of your job as the proximate result of a personal injury sustained or hazard undergone “as a result of, and while in the performance of,” your duties.

In the case of Ramsey v. New Bedford Retirement Board, the Contributory Retirement Appeals Board denied a police officer retirement benefits because the Board found that the officer who slipped on ice at the police s station parking lot was not injured in the performance of his duties, as the law requires.

William Ramsey, aka Bill Ramsey, worked as a police officer for the City of New Bedford from January 1983 to January 14, 2009.

On January 13, 2009 at 11:55 p.m., Officer Ramsey was on his way into work at the New Bedford police station to report for roll call when he slipped on ice in the parking lot. He reported the incident immediately and worked his scheduled shift. The next morning he had pain in his neck, lower back and hip.

Officer Ramsey began collecting injured-on-duty benefits under G.L. c. 41 § 111F on January 14, 2009.

An orthopedic surgeon diagnosed “residuals of cervical strain and resolved low back strain.” He opined that Mr. Ramsey was not capable of returning to work because of his neck condition as a result of his fall on the ice.

On October 8, 2009, Mr. Ramsey had an independent medical evaluation which resulted in a determination that Ramsey had fully recovered and was able to return to work “at full capacity without restrictions.”

The police department ordered Mr. Ramsey back to work. Mr. Ramsey’s 111F benefits were discontinued on October 19, 2009. Mr. Ramsey started using sick leave. By agreement with the City, Mr. Ramsey’s 111F benefits were reinstated because he agreed to apply for accidental disability retirement benefits by April 25, 2010.

Mr. Ramsey filed an application for superannuation retirement benefits on April 24, 2010. He filed an application for accidental disability retirement benefits on April 25, 2010.

The Retirement Board denied Mr. Ramsey’s application for accidental disability benefits on June 30, 2010 because “your injury occurred when you were reporting for duty.”

The Retirement Board considered additional information submitted by Mr. Ramsey, and voted again to deny his application on May 3, 2011 without convening a medical panel because “incident occurred prior to the commencement of shift.”

Under the rules and regulations of the New Bedford Police Department, “A member shall report for duty properly clothed and equipped, at his regularly appointed time (15 minutes prior to the time set for roll call) and not withdraw or absent himself from duty without permission.”

The decision of the New Bedford Retirement Board to deny the application of William Ramsey for accidental disability retirement benefits without convening a medical panel was affirmed. The decision was affirmed because it was determined that Ramsey was not in the performance of his duties at the time of his injury. He was injured while he was on his way into work on January 13, 2009. He was not performing any duty of his job at the time of his injury.

In the instant case, Ramsey was injured while he was traveling from home, where he did not have an employment obligation, to the police station where he did have an employment obligation. Under the Namvar standard, he was not injured while in the performance of his duties. The outcome does not change because a police officer must respond to certain situations even when he is off-duty, or because a police officer must report for duty fifteen minutes before the time set for roll call, as Ramsey argued. He was not injured “during the actual performance of the duties that the employee has undertaken to perform on behalf of the public.” Therefore, his disability retirement application was denied.

Retirement Granted Despite Surveillance Video

lensJohn Gates was employed as a Heavy Motor Equipment Operator (HMEO) for the City of Holyoke Department of Public Works (DPW) from October 22, 2007 to May 29, 2009. He was terminated on June 21, 2010. Mr. Gates passed a pre-employment physical examination before beginning work. The essential duties of Mr. Gates’s job include snow plowing, shoveling, mowing, weed whacking, collecting refuse, filling potholes, and making berms.

On Friday, May 29, 2009, at 7 a.m., Mr. Gates began working in the sanitation department, lifting trash barrels and emptying them into a truck. By 9 a.m. he had pain in his right elbow. By 10 a.m. he could not lift the trash barrels. Mr. Gates reported this to his supervisor, who took Mr. Gates to the Work Connection at Holyoke Medical Center. Mr. Gates was diagnosed with a right forearm strain, advised o ice his forearm four times a day for 20 minutes, and to take Tylenol as needed.

On or about June 16, 2009, Mr. Gates asked for a meeting with the DPW Superintendent because there were jobs he thought he could perform, despite the injury to his right arm. The DPW office manager told Mr. Gates that if he was “not 100%,” he could not return to work. An MRI of the right elbow performed on June 25, 2009 was “consistent with mild lateral epicondylitis.”

On August 6, 2009, Investigative Concepts began surveillance of Mr. Gates. On August 31, 2009, Mr. Gates was observed using his right arm to slap a pack of cigarettes against his left hand; rotating his steering wheel with both hands; holding a garden hose in his right hand to spray his driveway; stretching a tarp using both hands; using a box cutter with his right hand; attaching a hose to a power washer using his right hand; pulling the rip cord with his right hand; spraying the tarp with his right hand; drinking a cup of coffee with his right hand; lifting and carrying a 5 gallon gas container using his right hand; carrying a slab of concrete with his right hand; using a socket wrench with his right hand; and leaning on his right elbow.

On or about September 14, 2009, Mr. Gates was called to a meeting with the DPW Superintendent in which he was accused of workers’ compensation fraud. He was asked to resign his position, promise to repay his workers’ compensation benefits and write a statement indicating who had helped him defraud the DPW. Mr. Gates did none of those things.

On January 31, 2012, Mr. Gates filed an accidental disability retirement application citing an inability to lift and empty heavy trash barrels, yard waste barrels, operate a jackhammer, shovel and jack blacktop, mow lawns, plow snow and sand streets as a result of right lateral epicondylitis secondary to lifting heavy barrels of trash for several weeks, ending on May 29, 2009.

On February 26, 2013, the Holyoke Retirement Board voted to deny Mr. Gates’s application for accidental disability retirement benefits because “The applicant has not met his burden of proving by a preponderance of the medical and non-medical evidence that he is permanently incapable of performing the essential duties of his position as a result of a personal injury sustained on May 29, 2009.” Mr. Gates filed a timely appeal.

The Board argues that the three doctor medical panel lacked “pertinent information” when it rendered its opinion because the panel was not provided with the surveillance DVDs. These recordings showed Gates using his right arm, but did not show him performing repetitive motions or repetitive lifting of heavy objects with his right arm. The panel majority has already opined that mere use of Gates’ right arm may not cause symptoms, but repetitive motions and repetitive heavy lifting will cause symptoms. The DALA Magistrate ruled that, “there is therefore no point in having the panel majority view the surveillance DVDs because they do not demonstrate repetitive motions and repetitive heavy lifting using the right arm.”

After a full evidentiary hearing, the Administrative Magistrate ruled that Gates met his burden of proof with respect to the existence of a disability, and the likelihood of its permanence. He had also met his burden of proof with respect to causation. The Division of Administrative Law Appeals ordered the Holyoke Retirement Board to award accidental disability retirement benefits to Mr. Gates.

Re-Assignment Blocks Disability Retirement

FIREFIGHTERIn Accidental Disability Retirement cases, the burden is on the applicant to prove that he is permanently unable to perform the essential functions of his or her position due to an injury sustained or a hazard undergone in the line of duty. Sometimes, an employer will attempt to make an accommodation by  transferring the disabled employee to another less strenuous position. When this happens, the question is not whether the employee is able to perform his former duties, but whether he or she is able to perform the duties of the new position.

For example, in the case of Paul Kaitz v. State Board of Retirement, which was recently decided, an Administrative Magistrate of the Massachusetts Division of Administrative Law Appeals recently denied a firefighter accidental disability retirement benefits because he was able to perform the essential functions of his new position of communications dispatcher.

Beginning in 1987, Paul Kaitz was a volunteer firefighter for the Holliston Fire Department. He began working for the Massachusetts Department of Environmental Management (DEM) as a seasonal laborer on or about April 2, 1995. His title was Seasonal Fire Laborer I. On April 8, 1997, Kaitz injured his back while he was working in the Marlboro Sudbury Forest. He was clearing storm damage, cutting felled trees, when he picked up a section of cut tree and felt pain in his back, which radiated to the anterior aspect of the right side down to the knee level. He filed an injury report the same day.

On December 20, 2004, Kaitz reported that he injured his back and leg when he slipped on snow and ice after removing a plow from his vehicle in Hopkinton State Park. He filed an injury report the next day.

On or around June 12, 2005, as the result of a job reclassification, the job title for Laborer (Fire) II was changed to State Firefighter I, as State Firefighter I duties were not distinct from those of a Laborer (Fire) II within the Bureau of Forest Fire Control. Kaitz was unable to perform the duties of a firefighter and on May 3, 2006, DCR informed Kaitz that he was being transferred to the Bureau of Forest Fire Control’s Radio Dispatch Communications Center, as “there is no option for permanent modified duty in the State Firefighter I position.” The title of the job he was performing was Communications Dispatcher I.

On or about November 9, 2009, Kaitz filed with the State Board of Retirement an application for either accidental or ordinary disability retirement. The application was based on back injuries on April 8, 1997 at the Marlboro/Sudbury State Forest in Hudson and on December 20, 2004 in the Hopkinton State Park Building.

When asked to describe his job duties, Kaitz responded: “All phases of dispatching and communications for DCR. See attached job description for Dispatcher I.” Later in the application, he listed his current position as “State Firefighter I.” He described his job duties as climbing ladders and heavy lifting, which is required of a firefighter but not a dispatcher. The medical panel opined that Kaitz was not incapable of performing the essential duties of a Communications Dispatcher and the State Retirement Board notified Kaitz that his claim for an accidental disability retirement was denied.

Although he may not have been able to perform the duties of a firefighter, he was able to perform the less strenuous duties of a dispatcher.  When determining the essential duties of an applicant’s job, it is not enough to rely on the formal job description; the essential duties of an applicant’s job are the duties that he is actually required to perform. Here, because of his re-assignment from the position of firefighter to the position of dispatcher, he was able to perform the relevant job duties of his current and he was, therefore, unable to meet his burden to prove incapacity.  He listed the position of Communications Dispatcher in his disability retirement application and he had been working in that position for the last three years of his employment.