Office of Human Resources - Benefits Design & Management

Short-Term Disability Insurance Plans and Rates | MAIN OPEN ENROLLMENT PAGE | DISABILITY MAIN

 

 
UNUM
An ASU Plan
Standard (Claims on or before Sept. 30)
The Hartford (Claims on or after Oct. 1)
A State of Arizona Plan
Maximum Covered Salary
$148,571 $60,000
Weekly Tax-free Benefit

Pays 70% of base pay, up to the maximums (3 options):

  • Option A – up to $750
  • Option B – up to $1500
  • Option C – up to $2000
 Pays 66.66% of base pay, up to $769.27 maximum
Maximum Payment
26 weeks 26 weeks
Accidental Death and
Dismemberment
$30,000;
(See Booklet for schedule of benefits.)		 None
Benefits Begin
  • First day if hospitalized for 24 hours or more
  • 31st day if not hospitalized
  • First day if disability is due to an accident
  • 31st day if due to illness
(After Open Enrollment election, benefits begin on 61st day
for illness or childbirth, unless you have been covered by
another STD Plan for 12 months prior to Oct. 1.)
Pregnancy Benefits
Pays 6 weeks for normal birth;
8 weeks for C-section		 Pays from 31st day through 42nd day after birth
Pre-existing Condition Exclusion
First 6 months after initial election or
after Option level increase		 None
Recurring Disability Benefits
Periods of disability due to the same cause count
as one period, unless separated by...
6 months or more of full-time active work 30 days or more
Return to Work Benefits
Benefits will stop if working in any capacity Partial benefits if working 80% or less than full-time
Monthly Cost
$.84 per $100 of base pay $.70 per $100 of base pay
Premium Calculation Example
Divide SALARY by 100
Multiply by $.084
Divide by 26

EXAMPLE
$49,000/100 = 490
490 x .84 = $411.60
$411.26/26 = $15.83 per pay period		 Divide SALARY by 100
Multiply by $.070
Divide by 26

EXAMPLE
$49,000/100 = 490
490 x .70 = $343.00
$343.00/26 = $13.19 per pay period
Plan Summary/Document
 Summary: Booklet
Plan Document: Certificate

Summary: Booklet
Plan Document: Certificate

The Hartford: Pending