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Texas Income Protection Plan for State Employees, ERS

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Evidence of Insurability (EOI)

Evidence of insurability (EOI) is used to determine eligibility for coverage. You don’t need to submit EOI to enroll in disability coverage within 31 days of your hire date.

After this 31-day period, you can apply for coverage during Summer Enrollment or within 31 days of an applicable qualifying life event (QLE). To apply, you will need to provide EOI. Please view the EOI submittal instructions (115k) for more information. Your application must be approved before your coverage starts.

Submitting EOI

Apply for coverage by submitting EOI during Summer Enrollment or within 31 days of an applicable QLE. To apply:

  1. Log in to your ERS account.
  2. Select short-term and/or long-term disability coverage.
  3. Follow the prompts to initiate the EOI process with Guardian Life Insurance (the underwriter for TIPP).

Your application must be approved before your coverage starts.


Questions?

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Call TIPP Customer Care toll-free at
(855) 604-6230 (TDD – 711),
Monday – Friday, 7 a.m. – 7 p.m. CT.

Who Needs Disability Coverage?

Find out now

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Disclaimer

The ERS Texas Income Protection Plan℠ (TIPP) website highlights disability benefit provisions offered to participants in the Texas Employees Group Benefits Program (GBP). This website doesn't imply eligibility or participation in the disability benefit plans, and it is not intended to affect the plans' eligibility rules, benefits, conditions, or limitations. It doesn't cover every detail, and it's not a contract between you and ERS.

The Master Benefit Plan Document (MBPD Plan Year 2025 Effective 9/1/24) (548KB) supersedes all other print and electronic documentation about the TIPP disability program. If the content of this website differs from the plan documents, the terms of the plan documents will control. We expect to continue to provide the benefits described; however, ERS reserves the right to modify, amend, suspend, or terminate these benefits at any time.