A short-term disability (STD) insurance plan provides income replacement if you are out of work for a non-occupational accident or illness. There are two options to choose from:

A long-term disability (LTD) insurance plan provides income replacement should you be out of work for a non-occupational or occupational accident or illness. Your LTD plan is included with your mandatory retirement plan, either ASRS, ORP, or PSPRS.
SHORT-TERM DISABILITY |
ASU offers a choice of two short-term disability plans that provide replacement income if you cannot work because of a non-job related injury or illness.
Unum Standard Insurance Company |
LONG-TERM DISABILITY |
Long-term disability coverage protects you from loss of income in the event of total disability for more than six continuous months due to illness or injury. It is provided through either Sedgwick CMS Inc. (if you participate in the Arizona State Retirement System) or Standard Insurance Company (if you participate in the Optional Retirement Plan). If you become disabled the carrier will pay you a monthly benefit equal to 66 2/3% of your basic monthly earnings minus any other disability income such as Social Security, Worker's Compensation or retirement benefit.
Sedgwick CMS Standard Insurance Company |
This information is not binding and subject to change at any time. Federal regulations, ABOR, ASU and ADOA policies and vendor contracts govern benefits eligibility and coverage. If there is any discrepancy between this information and the plan documents, the plan documents will govern.