Standard Insurance Company provides Life, Accidental Death and Dismemberment (AD&D), Voluntary Short Term Disability and Long Term Disability insurance to the State of Arizona's employees. You are in good company – 14 states and hundreds of cities, counties and school districts across the country rely on The Standard for group insurance.¹

Life and AD&D Insurance

The State of Arizona provides a Basic Life and AD&D insurance plan at no cost if you are an active permanent employee who regularly works at least 20 hours each week. The Basic Life and AD&D insurance becomes effective when you are hired, provided you meet the active work requirement on that date. The Basic plan is $15,000 of Life insurance and $15,000 of AD&D coverage.

The State recognizes that individuals have different needs and has provided you the opportunity to apply for the right amount of protection for you and your family at very competitive group rates. Additional Life and AD&D amounts may be elected in any multiple of $5,000, not to exceed the lesser of three times your annual earnings, to a maximum of $300,000. Dependents Life and AD&D coverage amounts vary from $2,000 to $15,000. The Life and AD&D insurance coverage includes many Features and Provisions.

Use the Needs Estimator to estimate how much life insurance you should have. Once you know how much life insurance you should have, find out how much it will cost by using the Premium Calculator.

Select the Needs Estimator to estimate how much life insurance you should have.	Once you know how much life insurance you should have, find out how much it will cost by using the Premium Calculator.

For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Life and Accidental Death & Dismemberment Insurance Booklet and Certificate.

Voluntary Short Term Disability Insurance

Chances are you already purchase home and auto insurance to protect against the threat of loss. So what steps have you taken to help shield yourself and your loved ones from an unexpected loss of income? Would you be able to meet your financial obligations if you became disabled and unable to work?

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 illness, injury or pregnancy. This benefit replaces a portion of your income, thus helping you meet your financial commitments in time of need. The risk of disability is greater than most people think. And if you're like most people, you probably think disability is something that happens to someone else. Here are the facts:

• On the average, about 2,330 disabling injuries occur every hour during the year.²
• 21.3 million or 11.9 percent of all Americans aged 16 to 65 have a disabling condition that affects their ability to work at a job or business.³
• Nearly one person in five, about 49.7 million Americans, has some type of long lasting condition or disability.³

You have the opportunity to protect yourself (and your family) by purchasing Voluntary STD coverage through The Standard. The weekly STD Benefit would be 66 2/3% of your earnings, reduced by Deductible Income.

Select the Needs Estimator to estimate how much disability income protection you should have.	Once you know how much disability income protection you should have, find out how much it will cost by using the Premium Calculator.

For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Voluntary Short Term Disability Insurance Booklet and Certificate.

Long Term Disability Insurance

Long Term Disability (LTD) 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 Long Term Disability (LTD) programs, starting with your first day of work. The retirement system to which you contribute determines the LTD program available to you.

If you participate in the Arizona State Retirement System (ASRS), please visit their
web site for information on your LTD benefits.

Standard Insurance Company 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.

If your LTD claim is approved by The Standard, LTD benefits become payable at the end of the 180-day benefit waiting period. No benefits are payable during the benefit waiting period. The monthly LTD benefit is based on your earnings from the State of Arizona. Your monthly LTD benefit is 66 2/3% of the first $15,000 of your monthly earnings, as defined in the group insurance policy, reduced by Deductible Income. The maximum LTD benefit is $10,000 per month. For answers to commonly asked questions, costs, exclusions, limitations and reductions, please review the Long Term Disability Insurance Booklet and Certificate.

The State of Arizona has chosen Standard Insurance Company to provide Life, AD&D, Short Term Disability and Long Term Disability insurance coverage to eligible employees. The Standard delivers real value through well-designed products, competitive prices and the promise of exceptional service. Just as others count on you, you can count on The Standard to help protect your family in their time of need.