Long-Term disability insurance is a form of income protection that provides a portion of your salary in the event of a disabling illness or injury. A six(6)-month qualification period is required before benefits begin.
Coverage under this plan is dependent upon the retirement plan you are participating in at the onset of disability. If you are enrolled in the Arizona State Retirement System (ASRS):
- your minimum monthy benefit is $50.00
- your LTD contribution is a post-tax contribution; currently at 0.24% of earnings. The University's contribution is currently .24% of earnings.
If you are participating in the Optional Retirement Plan (ORP) or in the Public Safety Personnel Retirement System (PSPRS):
- minimum monthly benefit is $100.00
- contribution: you do not pay for this benefit, as it is 100% paid by the University
This overview will inform you of your personalized Long-Term Disability benefit options; it is not intended to take the place of the information provided in your Long-Term Disability carrier’s plan booklet. You may also contact UA Human Resources with specific questions or concerns regarding this valuable benefit.
- Long-Term Disability insurance is a mandatory benefit made available through your retirement plan
- The program provides you with a monthly benefit designed to partially replace income lost during periods of total disability resulting from a covered injury or illness.
- Generally, the monthly benefit is 66 2/3% of your basic monthly earnings.
- Benefit Payments will be offset by the following, if applicable:
- Workers Compensation
- Social Security Disability Benefits
- Social Security Retirement Benefits
- State Retirement Disability Benefits
- State Retirement Benefits
- "Other Income Benefits" outlined in the plan booklet
- There is a waiting period of six consecutive months in which you must be continuously and totally disabled before long-term disability benefits begin.
- Whenever possible, it is advantageous to file a Long-Term Disability claim as early as the third month after the onset of disability. Allowing a three-month processing window can increase the likelihood of having a completed claim by the time your six-month waiting period has been satisfied.
- See your plan summary booklet for duration of benefits information.
- You may apply for Social Security Disability benefits at the Social Security office closest to you.
For additional information, contact your Senior Benefits Specialist.