Disability Insurance

 

Short Term Disability

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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.  Coverage is provided through The Hartford*. 

*NOTE:  Effective July 1, 2018, this coverage will be provided by Cigna.

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.  All claims with a disability date of July 1, 2018 and later will be covered through Cigna.  

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 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; however, you will be required to provide evidence of insurability (EOI) to Hartford.  Cigna will review all EOIs for coverage on or after July 1, 2018.  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.

 

Additional Resources Available to you through Cigna (Effective 7/1/18)

Secure Advantage Disability Claimant Program
 
 

 

LONG TERM DISABILITY

 

ASRS Members

 

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The Town of Marana participates in the Long Term Disability Plan with the Arizona State Retirement System (for all ASRS eligible employees). Both the Town and the employee pay a separate but equal percentage towards LTD. The contribution rates for both the Town and employees is set by the Arizona State Retirement System Board and can be found at: https://www.azasrs.gov/content/contribution-rates.  

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)

 

PSPRS and EORP Members

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The Town of Marana provides at no cost to all defined benefit plan members of PSPRS, CORP, and EORP, the following Long Term Disability benefits with The Hartford (w/Cigna effective July 1, 2018).
 

Eligibility:

All active eligible full-time Police Officers enrolled in the defined benefit plan; Dispatchers* who work 20 hours per week on a regularly scheduled basis for the Town of Marana; all Elected Officials enrolled in the EORP defined benefit plan*. 

*Does not apply to: Police Officers newly eligible after July 1, 2017 who have elected the defined contribution plan; Dispatchers hired after 11/24/2009; or Elected Officials newly appointed on or after 1/1/2014 (these employees are covered through an alternate Long Term Disability plan associated with their respective retirement plan as noted below).

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

NOTE: Additional Disability Benefits may be offered through the Public Safety Retirement System.  Please click on your plan name for additional information: PSPRS, CORP, EORP

 

 

PSPRS DC Plan and EODCRS Members

For those enrolled in a Defined Contribution Plan

The Town of Marana participates in the Long Term Disability plan with the Public Safety Retirement System defined contribution plans.  Benefits are offered through Nationwide   

Eligibility:

All Tier 3 Police Officers who have elected the defined contribution plan and Elected Officials newly appointed after 1/1/2014 who are enrolled in the defined contribution plan. 

Monthly Income Benefit: 

Please refer to your local board contact for additional information or contact PSPRS: http://www.psprs.com/contact-us/ for additional information.

Elimination Period: 

Please refer to your local board contact for additional information or contact PSPRS: http://www.psprs.com/contact-us/ for additional information.