Office of Human Resources - Benefits Design & Management

FOR ASRS PARTICIPANTS

Sedgwick CMS

FOR ORP & PSPRS PARTICIPANTS

Standard | Claims on or before Sept. 30
The Hartford | Claims on or after Oct. 1

Maximum Benefit Period

Age 65 if disability occurs prior to age 65.
Age 70 if disability occurs at age 65 but before age 69

Age 65

Monthly Benefit

• Pays 66.66% of base pay as of date of disability.
• Minimum monthly benefit of $50.

• Pays 66.66% of the first $15,000 of your Predisability  Earnings,
  reduced by Deductible Income*. 
• Minimum monthly benefits $100 or 10% of your LTD Benefit before
  reduction by Deductible Income, whichever is greater.
• Maximum $10,000 before reduction by Deductible Income.

Benefits Begin

• Begins on 181st day of a continuous disability
• Benefit is paid monthly
• Claim payments are fully taxable

• Begins on 181st day of a continuous disability
• Benefit is paid monthly
• Claim payments are fully taxable

Pre-existing Condition Exclusion

12 month pre-existing condition limitation

12 month pre-existing condition limitation

Recurring Disability Benefits 
Periods of disability due to the same cause
count as one period, unless separated by . . .

6 months or more

30 days or more

Return to Work Benefits

Partial benefits if working 80% or less

Partial benefits if working 80% or less

Rates

.4% of your gross salary

No cost to you

Plan Summary and Document

Sedgwick CMS
1.800.495.9301
Booklet

Standard Insurance Company
1.866.440.4846
Certificate | Booklet

The Hartford – Coming soon

*DEDUCTIBLE INCOME: Social Security Disability benefits paid to me or to eligible family members;
  Social Security Retirement benefits paid to me or my spouse; Retirement benefits from my current public service retirement plan;
  Worker’s compensation benefits;  ASU sick leave; and Any other benefits listed in the “Long Term Disability” booklet.