Long Term Disability

Understanding Your Options

Long-term disability insurance protects you from loss of income in the event you become disabled for more than six months as a result of illness or non-work related injury. 

All benefit-eligible employees are required to participate in a long-term disability plan.  You are automatically enrolled into the long-term disability plan corresponding to your retirement plan.

  • Arizona State Retirement System (ASRS) - If you are participating in the ASRS plan, you receive your long-term disability benefits from Sedgwick. 
  • Optional Retirement Plan (ORP) -  If you are participating in the Optional Retirement Plan (ORP) or the Public Safety Personnel Retirement System (PSPRS), you are covered by The Hartford Insurance Company.

Compare Plans

Plan FeaturesSedgwickThe Hartford
Benefit AmountThe basic monthly amount of the benefit is 66 2/3 percent of your monthly earnings as of the date you became disabled.The basic monthly amount of the benefit is 66 2/3 percent  of your monthly earnings as of the date you became disabled. 
Maximum BenefitNo maximumThe maximum benefit is $10,000 per month.
Benefit OffsetYour benefits may be subject to an offset based on Social Security payments, retirement benefits and other disability benefits.Your benefits may be subject to an offset based on Social Security payments, retirement benefits and other income benefits.
DurationBenefits can be paid until age 65 or until you are able to return to work after your disability as determined by Sedgwick, CMS.LTD benefits can be paid until age 65 or until you are able to return to work after your disability as determined by The Hartford.
Taxes A portion of the benefits are taxable income. Benefits are taxable income.
PremiumBoth you and the university pay for this coverageThe university pays your premiums for this benefit.

Applying for Long Term Disability Benefits

If you are facing a possible long-term disability, you should contact HR Benefits team at 928-523-2223