Disability Insurance Information

Disability image
To family and loved ones, you're invincible, invulnerable, and larger than life. And why shouldn't they think that? You've always been there for them. You work hard every day to support your home and your lifestyle.

But what if you suffer a non-work related injury or illness and can't bring in the money needed to support yourself or your family?

Voluntary Short-term Disability Insurance

The State of Arizona provides you with the opportunity to purchase Voluntary Short-term Disability (STD) insurance, which is designed to pay a benefit to you in the event you cannot work because of a covered injury, illness or pregnancy.
It kicks in when you're laid up – to help you pay your monthly bills, such as your mortgage or rent, not to mention everyday expenses like groceries or child-care. You can focus on your health, knowing your finances are well taken care of.

Long-term Disability Insurance (LTD)

Long-term Disability insurance is designed to pay a monthly benefit to you in the event you cannot work for 6 months or longer because of a covered illness or injury. This LTD benefit replaces a portion of your income, helping you to meet your financial commitments in a time of need.
As a benefits-eligible employee, you are automatically enrolled in one of the State of Arizona's two LTD programs.  The retirement system to which you contribute determines the LTD program available to you.
If you participate in the Arizona State Retirement System (ASRS), visit the website for information on your LTD benefits. The Hartford provides LTD insurance to participants of the following retirement plans:
  • Public Safety Personnel Retirement System (PSPRS)
  • Correction Officers' Retirement Plan (CORP)
  • Elected Officials' Retirement Plan (EORP)
  • Optional Retirement Plans of the Universities (TIAA-CREF, VALIC, Aetna and Fidelity Investments)
  • A Judge Pro Tempore
  • An employee participating in a medical residency program or a Cooperative Extension employee on federal appointment who by statute is not entitled to a pension and is not on a per diem basis who is Actively At Work at least 20 hours each week

Long-term Disability Coverage Continuation

As a terminated employee – or as an active employee or retiree – losing coverage or a portion of coverage under your employer’s Group plan(s), you may be eligible to continue all or a portion of that Long-term Disability coverage without submitting evidence of good health. Potential options are explained in the Coverage Continuation form. The specific options available to you are based on the provisions as defined in the Group plan. Based on your selection, you will receive a personalized quote, details on the specific coverage options available to you, and the necessary forms to enroll.
Please note that there is a designated timeframe during which you can exercise your coverage continuation options. To continue coverage, you must mail or fax the Coverage Continuation form to request information within 15 days from the date of your COBRA notice mailed to you by your employer or 31 days from your group coverage termination date, whichever is later. Under no circumstances, however, will continuation of coverage be available beyond 91 days from your group coverage termination date.
The coverage continuation process can be started in one of three ways:
Call The Hartford toll-free:
9 a.m.-5 p.m. Eastern Time, Monday-Friday
Mail the Coverage Continuation form to:
The Hartford Portability and Conversion Unit
P.O. Box 248108
Cleveland, OH 44124-8108
Fax the Coverage Continuation form to:
6498 NS 09/18
Disability Form Series includes GBD-1000, GBD-1200, or state equivalent. Policy Number: 395211
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. The policy underwritten by the issuing company listed above details exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued.