Disability Insurance
The Texas Income Protection Plan SM (TIPP) pays part of your salary if you become disabled and cannot work. Short- and long-term disability options are available, and you may select both types of coverage.
If you sign up within your first 31 days of employment, you are guaranteed coverage and do not have to submit an evidence of insurability (EOI) application. If you have a qualifying life event (QLE), such as a marriage or a birth, you can apply, but an EOI is required.
| Short-Term Disability Income |
$0.24/$100 of monthly salary
|
|---|---|
| Long-Term Disability Income |
$0.63/$100 of monthly salary
|
Short-Term Disability
Short-term disability provides 66% of your monthly salary up to a maximum benefit of $6,600.00 per month with benefits payable for a period of up to five and a half months (a maximum of 166 days) after completion of your 14-day waiting period or use all available sick leave (including extended sick leave, donated sick leave and sick leave pool), whichever is longest. To be eligible for benefits, you must provide a physician certification stating you are totally disabled and unable to work.
Long-Term Disability
Once a participant’s claim is approved, long-term disability provides 60% of your monthly salary up to a maximum benefit of $6,0000 per month. Benefits are payable until you are able to return to work or until you reach your Maximum Benefit Period (based on the age you become disabled) or based on the condition causing your disability. You must complete the 180-day waiting period or use all available sick leave (including extended sick leave, donated sick leave and sick leave pool), whichever is longest before you can be approved for a claim. To be eligible for benefits, you must provide a physician certification stating you are totally disabled and unable to work.
Benefits are paid to you up to the maximum benefit period, which depends on your age when you become totally disabled:
| Younger than 60 |
Payable to age 65*
|
|---|---|
| 60-64 |
Payable for 60 months
|
| 65-69 |
Payable to age 70* or for 12 months, whichever is greater
|
| 70 and older |
Payable for 12 months
|
*Benefits end the first day of the plan month after you reach this age.
Contact Information
855-604-6230
More Information
For more information, visit the Short-term Disability and Long-term Disability pages of the ERS website.