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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.
Compare Plans
Plan Features | ASRS - Broadspire | 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