- \n
- Short Term Disability <\/strong>is optional, and directly pays you a portion of your income for up to 6 months after a 30-day waiting period.<\/li>\n
- Long Term Disability<\/strong> is part of your Primary Retirement benefit. It directly pays you a portion of your income after a six-month waiting period.<\/li>\n<\/ul>\n
\n\u00a0<\/strong>Short Term Disability<\/strong><\/h3>\n
\n\n \nNAU offers you a choice of two STD plans that have different plan features and costs.\u00a0 You pay the entire premium with after-tax dollars, so benefits are tax-free. IMPORTANT: Work related illness or injury is not covered.<\/em><\/p>\n\n<\/div>\n\n
\n \n![\"\"](\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/07\/Disability-Photo-by-National-Cancer-Institute-on-unsplash-Copy-464x348.jpg\")
<\/p>\n\n<\/div>\n<\/div>\n\n\n- \n
- \n \n \n
\n NAU \u2013 Unum Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
- \n \n
\n\n State of AZ \u2013 Hartford Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n\nNAU \u2013 Unum Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\nCosts more but provides a larger benefit.<\/strong><\/p>\n
- \n
- Higher costs, but larger benefit.<\/strong><\/li>\n
- Choose from 3 options with different weekly maximums:\n
- \n
- Option A: $750 maximum weekly benefit based on a maximum covered salary of $55,714.<\/li>\n
- Option B – $1,000 maximum weekly benefit based on a maximum covered salary of $111,429.<\/li>\n
- Option C – $1,500 maximum weekly benefit based on a maximum covered salary of $148,571.<\/li>\n<\/ul>\n<\/li>\n
- Replaces up to 70% of your weekly covered pay for up to 6 months (including any waiting period)<\/li>\n
- 30-day waiting period before benefit begins.<\/li>\n
- Waiting period waived for out-patient surgery or if hospitalized for more than 24 hours.<\/li>\n
- Pre-existing condition exclusion if disabled within 90 days before coverage begins. Pregnancy is not considered a pre-existing condition.<\/li>\n
- Can use paid time off (sick, vacation, comp time) along with Unum benefits<\/li>\n
- Includes $5,000 of term life and $30,000 of AD&D coverage<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n\n
State of AZ \u2013 Hartford Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\nCosts less, but the benefit is smaller.<\/strong><\/p>\n
- \n
- Lower cost, but smaller benefit<\/strong><\/li>\n
- Replaces up to 66.66% of your covered weekly pay for up to 6 months, including any waiting period.<\/li>\n
- Maximum weekly benefit of $897.43<\/li>\n
- Waiting period\n
- \n
- 15 day waiting period for illness, pregnancy & maternity.<\/li>\n
- 30 day if elected after initial enrollment period.<\/li>\n
- Waived for injury.<\/li>\n<\/ul>\n<\/li>\n
- Must use all accrued paid time off (sick, vacation or comp time) before benefits begin<\/li><\/ul>\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n<\/li>\n<\/ul>\n
\nLong Term Disability (LTD)<\/h3>\n
Your primary retirement plan determines your LTD program.<\/p>\n\n
\n- \n
- \n \n \n
\n Arizona State Retirement System Participants Tab Open<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n
- \n \n
\n\n ORP & PSPRS Participants Tab Closed<\/span>\n <\/h4>\n <\/div>\n <\/a>\n <\/li>\n <\/ul>\n \n
\n \n\nArizona State Retirement System Participants Accordion Open<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n- \n
- Administered by Broadspire Services.<\/li>\n
- 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.<\/li>\n
- Replaces up to 66 2\/3% of your earnings.<\/li>\n
- 6-month waiting period before benefit payments begin.<\/li>\n
- Duration of the benefit determined by Broadspire and is based on supporting medical documentation.<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n \n\n \n\n
ORP & PSPRS Participants Accordion Closed<\/span><\/h4>\n <\/span>\n <\/div>\n <\/a>\n
\n \n\n\n- \n
- Provided through Hartford.<\/li>\n
- NAU pays the premium so the entire benefits are taxable.<\/li>\n
- Replaces up to 66 2\/3% of your annual salary.<\/li>\n
- Maximum benefit of $10,000 a month.<\/li>\n
- 6-month waiting period before benefit payments begin.<\/li>\n
- Duration of the benefit determined by Hartford and is based on supporting medical documentation.<\/li>\n<\/ul>\n\n\n <\/body><\/html>\n\n <\/div>\n<\/div>\n\n <\/div>\n\n
\nStill have questions??<\/strong><\/h3>\n
Contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.<\/p>\n\n
\n\nQuestions??? Review FAQs<\/a> <\/div><\/div><\/h4>\n
\n\n\n\nResources<\/h3>\n <\/div>\n
\n\n- \n
- Benefit Overview<\/a><\/li>\n
- Employee Benefit Premiums<\/a><\/li>\n
- Changing Your Benefits<\/a><\/li>\n
- Orientation Videos<\/a><\/li>\n
- Benefit Plan Documents and Policies<\/a><\/li>\n
- Benefits Vendor Contact Information<\/a><\/li>\n
- LOUIE HR<\/a><\/li>\n<\/ul>\n<\/div>\n <\/div>\n <\/div>\n\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"
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 […]<\/p>\n","protected":false},"author":619,"featured_media":16816,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","ring_central_script_selection":"","footnotes":""},"class_list":["post-17932","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/17932","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/users\/619"}],"replies":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=17932"}],"version-history":[{"count":0,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/pages\/17932\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/media\/16816"}],"wp:attachment":[{"href":"https:\/\/in.nau.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=17932"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
- Employee Benefit Premiums<\/a><\/li>\n
- Benefit Overview<\/a><\/li>\n
- \n \n
- \n \n
- Lower cost, but smaller benefit<\/strong><\/li>\n
- Choose from 3 options with different weekly maximums:\n
- \n \n
- Long Term Disability<\/strong> is part of your Primary Retirement benefit. It directly pays you a portion of your income after a six-month waiting period.<\/li>\n<\/ul>\n