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.
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
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.
- 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.
- 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.