Disability Insurance

Short Term Disability
The Town provides basic Short-Term Disability Insurance at no cost to the employee. The coverage provides income replacement if you are sick or injured (non-occupational) and cannot work.   

Eligibility: 

Active full-time and part-time employees working at least 20 hours per week for the Town of Marana.

Weekly Income Benefit: 

Employer Funded Plan: 60 percent to a weekly maximum of $1,000
Employee Buy-up Plan: 70 percent to a weekly maximum of $2,000 

Maximum Duration of Benefits: 

26 Weeks (14 day waiting period, 24 weeks of benefits)            

Elimination Period: 

Benefits commence for disability caused by:  

  • Accident - on the 15th day of disability
  • Sickness - on the 15th day of disability

When to file a claim: If you are unable to perform the essential duties of your job due to accidental bodily injury, sickness, mental illness, substance abuse or pregnancy, and as a result, you are earning less than 20 percent of your pre-disability weekly earnings or you are able to perform some, but not all, of the essential duties of your occupation and as a result, you are earning less than 80 percent of your pre-disability weekly earnings. Hartford will determine if your claim is a compensable claim.  

Short-term Disability Buy-Up Option: You may purchase coverage that will pay you a benefit of 70 percent of your weekly earnings to a maximum of $2,000 per week. Your cost is based on your annual earnings, and the STD rate of $0.0807 is calculated for every $10.00 of your weekly benefit. If you are not currently enrolled in the STD Buy-up option, you may do so during  benefits open enrollment. You will be required to provide evidence of insurability to Hartford. Please see HR if you have questions or are interested in adding this coverage.

Buy Up Calculator Use this online tool to help estimate your bi-weekly premium to buy up supplemental life insurance and short-term disability insurance.
 
Long Term Disability
The Town of Marana participates in the Long-term Disability Plan with the Arizona State Retirement System (for all employees other than those detailed in the second chart below.) Both the Town and the employee pay a separate but equal percentage towards LTD. The contribution rate for both the Town and employees is set at 0.24% of after-tax earnings.  

Eligibility: 

All eligible employees who are ASRS participants are contributing members to the ASRS LTD Plan including dispatchers hired after November 24, 2009.   

Monthly Income Benefit:

66 2/3 percent of your monthly base salary as defined by ASRS. 

Maximum Duration of Benefits: 

Benefits are payable following the waiting period, for the remaining period of total disability. Exceptions apply. 

Elimination Period:

180 days (six consecutive months)

The Town of Marana provides at no cost to eligible employees, the following Long-term Disability benefits with The Hartford.
This plan covers Police Officers, Dispatchers* and Elected Officials. 

Eligibility:

All active eligible full-time Police Officers and *Dispatchers who work 20 hours per week on a regularly scheduled basis for the Town of Marana and all Elected Officials. *Only applies to Dispatchers hired on or before November 24, 2009. 

Monthly Income Benefit: 

Plan replaces 60 percent of your monthly income loss to a maximum of $5,000. Benefits will never be less than the greater of 10 percent of your monthly benefit or $100.

Elimination Period: 

180 days