Long-term disability comparison

Compare LDT coverage details

	ASRS participants	ORP and PSPRS participants
	Broadspire	MetLife
Maximum benefit period	Until age 65 or until you are able to return to work after your disability is determined by Broadspire.	Determined by your age at time disability occurs.
Monthly benefit	Minimum monthly benefit of $50 as long as your monthly income from LTD and other income sources do not exceed 100% of your monthly compensation at the time disability commences. Pays 66 ⅔% of base pay as of the date of disability, reduced by deductible income.	Maximum $10,000 before reduction by deductible income. Minimum monthly benefit of $100 or 10% of your LTD benefit before reduction by deductible income, whichever is greater. Pays 66 ⅔% of the first $14,999 of pre-disability earnings, subject to deductible income.
Benefits start date	Begins on day 181 of continuous disability. Benefit is paid monthly as long as the participant continues to meet eligibility. 50% of the claim payment is taxable.	Begins on day 181 of continuous disability. Benefit is paid monthly. Claim payments are fully taxable.
Pre-existing condition exclusion	Most recent membership date prior to July 1, 2008: three-month pre-existing condition limitation. Most recent membership date on or after July 1, 2008: six-month pre-existing condition limitation.	Six-month pre-existing condition limitation.
Recurring disability benefits	Periods of disability due to the same cause count as one period, unless separated by six months or more of full-time active work.	Periods of disability due to the same cause count as one period if: Returned to active work for a period of 60 days or less, prior to completing the elimination period. Returned to active work for a period of 180 days or less, after completing the elimination period.
Return to work benefits	Partial benefits if working while disabled and receiving monthly benefits.	Partial benefits if working while disabled and receiving monthly benefits.
Rates - effective 7/1/2022	.14% of your gross paycheck amount.	No cost to you.
Contact Information	Broadspire: 877-232-0596	MetLife: 866-264-5144
*Deductible Income: Social security disability benefits paid to the employee or to eligible family members; social security retirement benefits paid to employee or spouse; retirement benefits from a current public service retirement plan; workers’ compensation benefits; ASU sick leave; and any other benefits listed in either the ORP or PSPRS plan document or ASRS plan document on the short-term and long-term insurance plans.