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Disability Insurance
Disability insurance coverage helps protect you by replacing your income in the event you are unable to work due to an illness or injury. Disability through the Standard is provided to all regular benefits eligible employees:
- Basic Disability Insurance benefit is for One Year, paid for the by district.
- You have the option to purchase an Enhanced Disability Plan that pays for an additional year.
* Examples of deductible income include: personal leave pay, severance pay, substitute differential pay, catastrophic/extraordinary leave bank, salary continuation, workers’ compensation, work earnings, Social Security, state disability, and CalPERS/CalSTRS benefits
Standard Disability
Elimination Period
The shorter of seven consecutive Regular Days of Required Attendance (RDRAs) and/or Extra Duty Days of Required Attendance, or 30 calendar days
Benefit Percentage
75%
Basic Plan
(paid by AUSD)75% of your Regular Daily Contract Salary, less deductible income* for One Benefit Year
Enhanced Plan
(paid by you)75% of your Regular Daily Contract Salary, less deductible income* for Two Benefit Year
Minimum Monthly
Benefit$12.50 while receiving sick
pay$30.00 per day after sick leave is
exhaustedMaximum Duration
Basic Plan (paid AUSD)
Enhanced Plan
One Year
Two Years
Monthly Cost
Basic Plan
Enhanced Plan
All
Premium fully paid by AUSD
.142% of your monthly Insured Earnings
* Examples of deductible income include: personal leave pay, severance pay, substitute differential pay, catastrophic/extraordinary leave bank, salary continuation, workers’ compensation, work earnings, Social Security, state disability, and CalPERS/CalSTRS benefits
Disability Insurance Documents
