Disability Insurance Benefits

Disability Insurance Benefits

The College makes available both Short and Long Term Disability insurance. These disability plans can replace part of an employee’s income when unable to work due to illness or injury. Eligibility, disability determination and benefits payable are subject to the provisions of the insurance carrier summary plans. In all cases, proof of disability is required.

An employee’s absence due to disability will run concurrent with any entitlement under the College Family Medical Leave Policy.

Work related conditions are covered under Workers’ Compensation.

Short Term Disability (STD)

Short Term Disability insurance provides income during the waiting period before Long Term Disability benefits begin.

• Coverage is effective the first of the month after 30 days
• College provides this benefit and pays the premium for all benefit eligible employees; enrollment is automatic
• Income protection is for a covered employee, not the income of a family member
• Waiting period is 90 calendar days from onset of disability
• Benefits payable at 66% of weekly salary
• Minimum Weekly Benefit is $50.00
• Maximum Weekly Benefit is $1500.00
• Benefit payments are not taxable income
• Length of benefit is 90 days
• Claim Administrator is with Administrative Enterprises, Inc. (AEI); contact at (800) 762-2234
• For more detailed information review the Yavapai Combined Trust (YCT) Summary Plan Document at www.yctrust.net

Long Term Disability (LTD)

Long Term Disability (LTD) insurance is a form of income protection which provides a monthly benefit designed to partially replace income lost during periods of total disability resulting from a covered injury or illness should the employee become unable to perform regular job duties. LTD insurance is a mandatory benefit. The Long Term Disability (LTD) plan coverage for employees is provided through the retirement plan an employee elects.

Whenever possible, it is advantageous to file a Long Term Disability claim as early as the 3rd month after the onset of disability. Allowing a 3 month processing window can increase the likelihood of having a completed claim by the time your six-month waiting period has been satisfied.

LTD Plan Comparison

LTD under ASRS – Sedgwick Summary Plan

LTD under the Optional Retirement Plan – Standard Insurance Certificate