{"id":17932,"date":"2023-06-12T12:58:54","date_gmt":"2023-06-12T19:58:54","guid":{"rendered":"https:\/\/in.nau.edu\/human-resources\/?page_id=17932"},"modified":"2025-12-23T19:59:04","modified_gmt":"2025-12-23T19:59:04","slug":"benefits-disability-insurance","status":"publish","type":"page","link":"https:\/\/in.nau.edu\/human-resources\/benefits-disability-insurance\/","title":{"rendered":"Benefits &#8211; Disability Insurance"},"content":{"rendered":"<h1>Disability Insurance<\/h1>\n<p>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.<\/p>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3><strong>Short-Term vs Long-Term Disability <\/strong><\/h3>\n<ul>\n<li><strong>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<li><strong>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<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3><strong>\u00a0<\/strong><strong>Short Term Disability<\/strong><\/h3>\n<div class='shortcode-column-container'><!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<p>NAU 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. <em>IMPORTANT: Work related illness or injury is not covered.<\/em><\/p>\n\n<\/div>\n<!-- shortcode-column -->\n<div class=\"shortcode-column shortcode-column--count-2\">\n    \n<p><img decoding=\"async\" class=\"alignnone wp-image-18424\" src=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/07\/Disability-Photo-by-National-Cancer-Institute-on-unsplash-Copy-464x348.jpg\" alt=\"\" width=\"292\" height=\"219\" srcset=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/07\/Disability-Photo-by-National-Cancer-Institute-on-unsplash-Copy-464x348.jpg 464w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/07\/Disability-Photo-by-National-Cancer-Institute-on-unsplash-Copy-800x600.jpg 800w, https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2023\/07\/Disability-Photo-by-National-Cancer-Institute-on-unsplash-Copy-232x174.jpg 232w\" sizes=\"(max-width: 292px) 100vw, 292px\" \/><\/p>\n\n<\/div>\n<\/div>\n<!-- shortcode-tab -->\n<div class='shortcode-tab-container tab-count-2'>\n    <ul class='tabs'>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"NAU \u2013 Unum_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        NAU \u2013 Unum <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"State of AZ \u2013 Hartford_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        State of AZ \u2013 Hartford <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"NAU \u2013 Unum_1\" id=\"shortcode-accordion-1-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-1-panel\">\n            NAU \u2013 Unum\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-1-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-1-trigger\" >\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n\n<p><strong>Costs more but provides a larger benefit.<\/strong><\/p>\n<ul>\n<li><strong>Higher costs, but larger benefit.<\/strong><\/li>\n<li>Choose from 3 options with different weekly maximums:\n<ul>\n<li>Option A: $750 maximum weekly benefit based on a maximum covered salary of $55,714.<\/li>\n<li>Option B &ndash; $1,000 maximum weekly benefit based on a maximum covered salary of $111,429.<\/li>\n<li>Option C &ndash; $1,500 maximum weekly benefit based on a maximum covered salary of $148,571.<\/li>\n<\/ul>\n<\/li>\n<li>Replaces up to 70% of your weekly covered pay for up to 6 months (including any waiting period)<\/li>\n<li>30-day waiting period before benefit begins.<\/li>\n<li>Waiting period waived for out-patient surgery or if hospitalized for more than 24 hours.<\/li>\n<li>Pre-existing condition exclusion if disabled within 90 days before coverage begins. Pregnancy is not considered a pre-existing condition.<\/li>\n<li>Can use paid time off (sick, vacation, comp time) along with Unum benefits<\/li>\n<li>Includes $5,000 of term life and $30,000 of AD&amp;D coverage<\/li>\n<\/ul>\n\n\n    <\/body><\/html>\n\n    <\/div>\n<\/div>\n\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"State of AZ \u2013 Hartford_2\" id=\"shortcode-accordion-2-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-2-panel\">\n            State of AZ \u2013 Hartford\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-2-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-2-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n\n<p><strong>Costs less, but the benefit is smaller.<\/strong><\/p>\n<ul>\n<li><strong>Lower cost, but smaller benefit<\/strong><\/li>\n<li>Replaces up to 66.66% of your covered weekly pay for up to 6 months, including any waiting period.<\/li>\n<li>Maximum weekly benefit of $897.43<\/li>\n<li>Waiting period\n<ul>\n<li>15 day waiting period for illness, pregnancy &amp; maternity.<\/li>\n<li>30 day if elected after initial enrollment period.<\/li>\n<li>Waived for injury.<\/li>\n<\/ul>\n<\/li>\n<li>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<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3>Long Term Disability (LTD)<\/h3>\n<p>Your primary retirement plan determines your LTD program.<\/p>\n<!-- shortcode-tab -->\n<div class='shortcode-tab-container tab-count-2'>\n    <ul class='tabs'>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"Arizona State Retirement System Participants_1\">\n                <div class=\"shortcode-tab-header selected\">\n                    <h4>\n                        Arizona State Retirement System Participants <span class=\"screen-reader-text\">Tab Open<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n                <li class=\"tab\">\n            <a class=\"shortcode-tab__trigger\" href=\"#\" data-header=\"ORP & PSPRS Participants_2\">\n                <div class=\"shortcode-tab-header \">\n                    <h4>\n                        ORP & PSPRS Participants <span class=\"screen-reader-text\">Tab Closed<\/span>\n                    <\/h4>\n                <\/div>\n            <\/a>\n        <\/li>\n            <\/ul>\n        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion \" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"Arizona State Retirement System Participants_1\" id=\"shortcode-accordion-3-trigger\" aria-expanded=\"true\" aria-controls=\"shortcode-accordion-3-panel\">\n            Arizona State Retirement System Participants\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-3-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-3-trigger\" >\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n\n<ul>\n<li>Administered by Broadspire Services.<\/li>\n<li>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<li>Replaces up to 66 2\/3% of your earnings.<\/li>\n<li>6-month waiting period before benefit payments begin.<\/li>\n<li>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        <!-- shortcode-accordion -->\n<div class=\"shortcode-accordion shortcode-accordion--closed\" style=\"position: relative;\" >\n        <h4 class=\"shortcode-accordion__header\">\n        <button type=\"button\" class=\"shortcode-accordion__trigger\" data-header=\"ORP & PSPRS Participants_2\" id=\"shortcode-accordion-4-trigger\" aria-expanded=\"false\" aria-controls=\"shortcode-accordion-4-panel\">\n            ORP & PSPRS Participants\n            <span class=\"shortcode-accordion__header__arrow\" aria-hidden=\"true\"><\/span>\n        <\/button>\n    <\/h4>\n    <div class=\"shortcode-accordion__body\" id=\"shortcode-accordion-4-panel\" role=\"region\" aria-labelledby=\"shortcode-accordion-4-trigger\" inert>\n        <!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<html><body>\n\n<ul>\n<li>Provided through Hartford.<\/li>\n<li>NAU pays the premium so the entire benefits are taxable.<\/li>\n<li>Replaces up to 66 2\/3% of your annual salary.<\/li>\n<li>Maximum benefit of $10,000 a month.<\/li>\n<li>6-month waiting period before benefit payments begin.<\/li>\n<li>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<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<h3><strong>Still have questions??<\/strong><\/h3>\n<p>Contact the Benefits Team at nauhrbenefits@nau.edu or call (928) 523-2223.<\/p>\n<!-- shortcode-right-column -->\n<div class=\"shortcode-right-column\" >\n    <div class=\"shortcode-right-column__container\">\n<h4 style=\"text-align: center\"><div class=\"eplus-bg-color-row bg-color-nau-yellow\"><div class=\"eplus-bg-color-row-content\"> <a href=\"https:\/\/in.nau.edu\/human-resources\/benefits-faqs-disability-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">Questions??? Review FAQs<\/a> <\/div><\/div><\/h4>\n<hr role=\"separator\" class=\"hr--transparent hr--transparent-15px not-in-view\">\n<!-- shortcode-block -->\n<div class=\"shortcode-block\">\n      <div class=\"block-header\">\n        <h3>Resources<\/h3>\n    <\/div>\n          <div class=\"block-body\">\n      <div>\n<ul>\n<li><a href=\"https:\/\/in.nau.edu\/wp-content\/uploads\/sites\/5\/2025\/09\/2026-VOLUNTARY-COMPARE.pdf\" target=\"_blank\" rel=\"noopener\">Benefit Overview<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/paying-your-premiums\/\" target=\"_blank\" rel=\"noopener\">Employee Benefit Premiums<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/enrolling-in-benefits\/\" target=\"_blank\" rel=\"noopener\">Changing Your Benefits<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/benefits-orientation-videos\/\" target=\"_blank\" rel=\"noopener\">Orientation Videos<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/benefit-plan-document\/\" target=\"_blank\" rel=\"noopener\">Benefit Plan Documents and Policies<\/a><\/li>\n<li><a href=\"https:\/\/in.nau.edu\/human-resources\/benefit-contact-information\/\" target=\"_blank\" rel=\"noopener\">Benefits Vendor Contact Information<\/a><\/li>\n<li><a href=\"https:\/\/hr.peoplesoft.nau.edu\/\" target=\"_blank\" rel=\"noopener\">LOUIE HR<\/a><\/li>\n<\/ul>\n<\/div>\n          <\/div>\n  <\/div>\n\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":619,"featured_media":16816,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"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}]}}