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Long Term Disability | LTD

Long Term Disability | LTD

  • What is it? Long-Term Disability (LTD) is insurance that protects an employee from loss of income in the event that he or she is unable to work due to illness, injury, or accident for a long period of time.
  • Do I have it? Benefit-eligible employees are automatically enrolled in one of the State’s two LTD programs. Employee participation is mandatory. 
    • Arizona State Retirement System members contribute 15% each pay period.
    • Non-ASRS retirement system members have the coverage paid by their employer.
  • Where am I enrolled? The employee's retirement system determines the LTD plan enrollment. Please see your retirement plan below to learn more.

  • Broadspire Services, Inc. is administered through ASRS.
  • Your LTD benefit will pay up to 66-2/3% of your income earnings during your disability as determined by Broadspire Services, Inc. and based on supporting medical documentation.
  • Your benefits may be subject to an offset based on Social Security payments, retirement benefits, and other disability benefits.
  • LTD benefits can be paid until age 65 or until you are able to return to work after your disability, as determined by Broadspire Services, Inc.  
  • Medical documentation of your disability is required to continue your payment of benefits.
  • Broadspire Guide
  • Arizona State Retirement System (ASRS) - azars.gov
  • Claims: Contact [email protected] to request a claims packet

  • MetLife is the vendor for Long-term Disability administered through Benefit Options to non-ASRS participants. The following entities are covered:
    • Corrections Officer Retirement Plan (CORP)
    • Elected Officials Retirement Plan (EORP)
    • Options Retirement Plan of The Universities (TIAA-CREF and Fidelity Investments)
    • Public Safety Personnel Retirement System (PSPRS)
    • Non-Arizona State Retirement System Participants