Protect your income with disability insurance

Arizona State University offers short and long-term disability insurance to help protect your income if you experience a non-work-related illness or injury that prevents you from working.

Short-term disability insurance 

Short-term disability provides income replacement for up to six months. You must elect this coverage within 30 days of your eligibility hire date, a qualified life event, or during open enrollment. Review the short-term disability plan comparison chart for more details about coverage and premiums.

Unum 

• Pays 70% of your salary up to your benefit maximum.
• Learn about the Unum STD plan.

MetLife 

• Pays 66 ⅔% of your base salary, up to $70,000.
• Learn about the MetLife plan. 

Long-term disability insurance 

LTD coverage provides income replacement if you are out of work for more than six months due to non-work-related illness or injury. 

LTD coverage is automatically included with your mandatory retirement plan: 

• Arizona State Retirement System. 
• Optional Retirement Plan.
• Public Service Personnel Retirement System.

Review your LTD plan based on your retirement plan: 

• ASRS LTD Guide.
• ORP and PSPRS LTD Guide.
• LTD plan comparison.