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NEW YORK -- Scores of retired New York City police officers, firefighters and prison guards were charged Tuesday with faking psychiatric problems to get federal disability benefits - with some falsely claiming their conditions arose after the Sept. 11 attacks, prosecutors said.

Four ringleaders coached the former workers on how to falsely describe symptoms of depression and other mental health problems that allowed them to get payouts high as $500,000, said Manhattan District Attorney Cyrus R. Vance Jr. The ringleaders made tens of thousands in dollars in secret kickbacks, Vance said.

Among the retirees arrested were 72 city police officers, eight firefighters, five corrections officers and one Nassau County Police Department officer.

Investigators said the scam stretched back more than two decades, with the ex-officers and other workers collecting years' worth of benefits for citing mental health problems so severe that they couldn't work at all. The workers were coached on how to portray their problems, reporting that they were so psychologically damaged that they couldn't take care of themselves, prosecutors said.

Many of the officers legitimately had physical disabilities that would have entitled them to state disability pensions, but would not have entitled them to federal Social Security disability insurance, which requires a complete inability to work. Internal Affairs Chief Charles Campisi said many of the officers exaggerated their psychological trauma to gain the Social Security benefits. Most claimed post-traumatic stress disorder and many said it was because of the Sept. 11 attacks, he said. The NYPD has no information that they weren't actually working after the terrorist attack, just that they overstated the effect, he said.

One of the defendants who said he couldn't work taught martial arts. Another former police officer who claimed he couldn't leave the house worked at a cannoli stand at a street festival. Another claimed depression so crippling that it kept him house-bound but was photographed aboard a Sea-Doo watercraft.

Among those arrested was a retired police officer who has since worked helping members of the detectives' union, the Detectives' Endowment Association, with disability claims at an office in Queens. He has been suspended without pay, union President Michael Palladino said.

Many said they could not use a computer but had Facebook pages, Twitter handles and YouTube channels, prosecutors said.

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