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Texas Income Protection Plan for State Employees, ERS

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Enroll in TIPP during your two-week Summer Enrollment phase.

Short-term Disability Overview

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).

  1. Council for Disability Awareness, Disability Divide Consumer Disability Awareness Study, 2010.
Short-term Disability Coverage
Who Active employees are eligible to apply for disability coverage. Family members and retirees are not eligible for this coverage.
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 and at the same time use all your sick leave (including extended sick leave, donated sick leave and/or sick leave pool). If you have more than 30 days of sick leave, benefits are not payable until all of your sick leave is used. You are not required to use your vacation or other annual leave.

How Much

Once approved, your benefit is 66% of your insured monthly salary.* Here’s an example of how this works.**

Calculate your monthly TIPP payment example
Insured monthly salary

$ 3,200

% of salary provided

x 66%

Your TIPP monthly short-term disability payment

$ 2,112

Your monthly payments are less if you get benefit payments from other sources:

  • Workers’ Compensation,
  • Employees Retirement System of Texas (ERS) disability retirement benefits,
  • Teacher Retirement System (TRS) of Texas disability retirement benefits, or
  • other disability payments, including Short-term disability payments made by TIPP, if paid concurrently.

This is called an offset or integration of benefits. Learn more (1.6MB).

How Long

Short-term disability payments are available for up to five months (a maximum of 150 days) after you complete the waiting period.

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.**

Calculate your monthly TIPP cost example
Insured monthly salary

$ 3,200

Divide by $100

÷ 100

Monthly salary ÷ $100

32

Cost per $100 of monthly salary

x .26

Monthly after-tax cost

$ 8.32

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.


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