Disability Insurance
Disability insurance replaces a portion of your income in the case of illness or injury. NAU offers employees both Short-Term and Long-Term Disability coverage.
Short-Term vs Long-Term Disability
- Short Term Disability is optional, and directly pays you a portion of your income for up to 6 months after a 30-day waiting period.
- Long Term Disability is part of your Primary Retirement benefit. It directly pays you a portion of your income after a six-month waiting period.
Short Term Disability
NAU offers you a choice of two STD plans that have different plan features and costs. You pay the entire premium with after-tax dollars, so benefits are tax-free. IMPORTANT: Work related illness or injury is not covered.
NAU – Unum Accordion Open
Costs more but provides a larger benefit.
- Higher costs, but larger benefit.
- Choose from 3 options with different weekly maximums:
- Option A: $750 maximum weekly benefit based on a maximum covered salary of $55,714.
- Option B – $1,000 maximum weekly benefit based on a maximum covered salary of $111,429.
- Option C – $1,500 maximum weekly benefit based on a maximum covered salary of $148,571.
- Replaces up to 70% of your weekly covered pay for up to 6 months (including any waiting period)
- 30-day waiting period before benefit begins.
- Waiting period waived for out-patient surgery or if hospitalized for more than 24 hours.
- Pre-existing condition exclusion if disabled within 90 days before coverage begins. Pregnancy is not considered a pre-existing condition.
- Can use paid time off (sick, vacation, comp time) along with Unum benefits
- Includes $5,000 of term life and $30,000 of AD&D coverage
State of AZ – Hartford Accordion Closed
Costs less, but the benefit is smaller.
- Lower cost, but smaller benefit
- Replaces up to 66.66% of your covered weekly pay for up to 6 months, including any waiting period.
- Maximum weekly benefit of $897.43
- Waiting period
- 15 day waiting period for illness, pregnancy & maternity.
- 30 day if elected after initial enrollment period.
- Waived for injury.
- Must use all accrued paid time off (sick, vacation or comp time) before benefits begin
Long Term Disability (LTD)
Your primary retirement plan determines your LTD program.
Arizona State Retirement System Participants Accordion Open
- Administered by Broadspire Services.
- Both you and NAU pay for the coverage. Your premium is paid with after-tax dollars, so a portion of the benefit is not taxed.
- Replaces up to 66 2/3% of your earnings.
- 6-month waiting period before benefit payments begin.
- Duration of the benefit determined by Broadspire and is based on supporting medical documentation.
ORP & PSPRS Participants Accordion Closed
- Provided through Hartford.
- NAU pays the premium so the entire benefits are taxable.
- Replaces up to 66 2/3% of your annual salary.
- Maximum benefit of $10,000 a month.
- 6-month waiting period before benefit payments begin.
- Duration of the benefit determined by Hartford and is based on supporting medical documentation.
Still have questions??
Contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.