Long Term Disability
Long Term Disability
This optional benefit provides you with a portion of your monthly insurance salary if illness or injury keeps you from working. Once approved, benefits are paid after you have been certified as totally disabled by an approved practitioner and:
- used all of your available sick leave (e.g. sick leave, extended sick leave, sick leave pool) OR
- completed the waiting period of 180 consecutive days, whichever is greater.
Benefits are paid to you up to the maximum benefit period, which depends on your age when you become totally disabled. Benefits end when you return to work or are no longer considered totally disabled under the plan.
The Texas Income Protection Plan, administered by AON Hewitt, is the third party administrator for disability insurance. This coverage is not available to family members or retirees.
Premium rates are based on age and monthly salary.
Filing a Claim
Disability claim form must be completed by you, your employer, and your physician.
Who is eligible for disability insurance?
Active employees are eligible for disability insurance. Family members and retirees are not eligible.
Employees on leave of absence are eligible to continue coverage by paying premiums directly to ERS.
How to Enroll
If enrollment is not done at time of benefit eligibility (new hire or promotion), an employee will need to enroll during Annual Enrollment.
Is evidence of insurability required?
Proof of good health, called evidence of insurability (EOI), is not required to enroll in disability insurance during your first 31 days of hire, rehire, or transfer.
After the first 31 days, EOI is required to enroll.
- Monthly Benefit
- Maximum: lesser of 60% of your monthly salary (up to $10,000) or $6,000.
- Minimum: not less than 10% of your income (occurs if you are receiving worker’s compensation,
a disability retirement benefit, or other disability benefits)
- Benefit Period
- Benefits are paid to you up to the maximum benefit period, which depends on your age when you become totally disabled. Benefits end when you return to work or are no longer considered totally disabled under the plan.
For more information about Long-Term Disability insurance, visit www.reedgrouptipp.com.