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2024 Long-Term Disability Insurance

The Hartford is the new APS Long-Term Disability (LTD) Insurance carrier. Information for all full-time employees (including Food Services C-Schedule) about enrollment, premium calculations, and contacts.

Effective January 1, 2024, APS Long-Term Disability Insurance (LTD) has moved from The Standard to The Hartford.  If you are a full-time employee and currently have LTD coverage, it automatically transferred to the new carrier. You do not need to do anything. 

It was recently discovered that State Legislation does not allow APS to pay any portion of employee LTD premiums. As a result, effective January 1, 2024, APS employees will pay the full premium for LTD coverage.

With this new contract, APS received a new, reduced LTD rate from The Hartford.  This means the highest per paycheck LTD premium is $6.67 (this calculation is based on a Bi-Monthly Employee at $100,000 or more annual salary).  All other premiums will be less per paycheck. An example calculation is below.

Long-Term Disability Insurance helps cover your day-to-day living expenses when you are not able to work for an extended time due to a covered illness or injury. If you face a serious illness or injury, Long-Term Disability Insurance can help you avoid serious financial trouble during a stressful time. 

The Hartford Long-Term Disability Rates 

Long-Term Disability Insurance is 60% of an employee's yearly salary up to $100,000 maximum annual salary.  

Bi-Monthly Employees/Twice-a-month (24 paychecks per year)

Food Services C-schedule Employees/Twice-a-month (18 paychecks per year, September-May)

$0.080 per $100 of monthly salary $0.1067 per $100 of monthly salary

How to Calculate Rates

To calculate your Long-Term Disability twice-a-month premium deduction, follow these steps: 

  1. Enter Contracted Yearly Salary but not more than $100,000
  2. Divide Salary by 12 to get Monthly Salary
  3. Divide Monthly Salary by 100 to get the number of Units
  4. Multiply Units by plan rate

EXAMPLE: Bi-Monthly Employee, $45,000 Yearly Salary (24 paychecks)

  1. Calculate Monthly Salary: $45,000 (Yearly) divided by 12 = $3,750 (Monthly)
  2. Calculate Units: $3,750 (Monthly) divided by 100 = 37.50 Units
  3. Calculate Premium Rate: 37.50 Units x $0.080 = $3.00 twice-a-month.

EXAMPLE: Food Services C-Schedule, $45,000 Yearly Salary (18 paychecks)

  1. Calculate Monthly Salary: $45,000 (Yearly) divided by 12 = $3,750 (Monthly)
  2. Calculate Units: $3,750 (Monthly) divided by 100 = 37.50 Units
  3. Calculate Premium Rate: 37.50 Units x $0.1067 = $4.00 twice-a-month.

How to Enroll in Long-Term Disability Insurance Coverage

If you are outside of the new hire enrollment window (beyond 60 days), you may enroll in LTD insurance (if approved) by following these steps: 

  1. Email Employee Benefits with a request for LTD coverage and a Benefits Specialist will email you back to get the necessary information:
  2. You will receive an email from The Hartford in 7-10 business days to fill out a Personal Health Application needed for Evidence of Insurability (EOI).
  3. Complete the form within 60 days. Once your Personal Health Application for EOI is submitted, you will receive an acceptance or decline notification from The Hartford.
  4. Please contact the APS Employee Benefits office immediately with your approval notification. An enrollment form will be assigned from APS in your Winocular WorkSpace which must be completed as part of this process.
  5. LTD coverage begins the first of the following month after approval of EOI. 
  6. Employees are required to complete the APS LTD enrollment form via their Winocular WorkSpace to finalize the LTD enrollment process.

For more information on LTD coverage, benefits, exclusions, and how to file a claim visit:

Website:  The Hartford Insurance/APS

Customer Service: 1-888-277-3756: Monday - Friday, 8 a.m. - 8 p.m., Eastern Time