Texas Income Protection Plan for State Employees, ERS
Are you like 38% of Americans who couldn’t pay their bills for more than three months without a steady paycheck1? If so, you owe it to yourself and those who rely on your paycheck to get short-term disability coverage.
Get the protection you need and peace of mind, knowing you’re prepared for the unexpected. Short-term disability coverage helps you weather the financial storm and protect your rainy day fund.
Below you’ll find an overview of TIPP short-term disability coverage. For a more in-depth look, refer to the TIPP User’s Guide (1.6MB).
| Who | Active employees are eligible to apply for disability coverage. Family members and retirees are not eligible for this coverage. | ||||||||||
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| What | Short-term disability coverage allows you to receive a percentage of your paycheck if you are disabled and can’t work. | ||||||||||
| When |
You must complete a 30-day waiting period (will reduce to 14 days after Sept. 1. 2024) and at the same time use all your sick leave (including extended sick leave, donated sick leave and/or sick leave pool). If your sick leave is more than the waiting period, benefits are not payable until all of your sick leave is used. You are not required to use your vacation or other annual leave. |
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| How Much |
Once approved, your benefit is 66% of your insured monthly salary.* Here’s an example of how this works.**
Your monthly payments are less if you get benefit payments from other sources:
This is called an offset or integration of benefits. Learn more (1.6MB). |
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| How Long |
Short-term disability payments are available for up to five months (a maximum of 150 days, will increase to 166 days after Sept. 1, 2024) after you complete the waiting period. |
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| Cost |
The premium for short-term disability coverage is 26 cents per $100 of your monthly salary.* Here’s how to calculate your monthly cost.**
Some agencies cover a portion or all of the cost of coverage for participants. Contact your benefits coordinator if you have questions about your premiums. |
Call TIPP Customer Care toll-free at
(855) 604-6230 (TDD – 711),
Monday – Friday, 7 a.m. – 7 p.m. CT.