Long Term Disability
Understanding Your Options
Long-term disability insurance protects you from loss of income in the event you become disabled for more than six months as a result of illness or non-work related injury.
All benefit-eligible employees are required to participate in a long-term disability plan. You are automatically enrolled into the long-term disability plan corresponding to your retirement plan.
- Arizona State Retirement System (ASRS) - If you are participating in the ASRS plan, you receive your long-term disability benefits administered by Broadspire.
- Optional Retirement Plan (ORP) - If you are participating in the Optional Retirement Plan (ORP) or the Public Safety Personnel Retirement System (PSPRS), you are covered by The Hartford Insurance Company.
|Plan Features||ASRS - Broadspired||ORP - The Hartford|
|Benefit Amount||The basic monthly amount of the benefit is 66 2/3 percent of your monthly earnings as of the date you became disabled.||The basic monthly amount of the benefit is 66 2/3 percent of your monthly earnings as of the date you became disabled. |
|Maximum Benefit||No maximum||The maximum benefit is $10,000 per month.|
|Benefit Offset||Your benefits may be subject to an offset based on Social Security payments, retirement benefits, accrued leave(sick and Vacation) and other disability benefits.||Your benefits may be subject to an offset based on Social Security payments, retirement benefits and other income benefits.|
|Duration||Benefits can be paid until age 65 or until you are able to return to work after your disability as determined by Broadspire||LTD benefits can be paid until age 65 or until you are able to return to work after your disability as determined by The Hartford.|
|Taxes|| A portion of the benefits are taxable income.|| Benefits are taxable income.|
|Premium||Both you and the university pay for this coverage||The university pays your premiums for this benefit.|
Applying for Long Term Disability Benefits
If you are facing a possible long-term disability, you should contact HR Benefits team at 928-523-2223