The ERS is the Employees Retirement System of Texas
The ERS is an agency of the Texas state government, created in 1947, that oversees retirement benefits of state employees.
Texas has over 200,000 state employees. In addition to that number, institutions of higher learning employ over 120,000 full time workers. Each and every one of those employees is eligible to participate in a group disability plan. Disability benefits are offered under the Texas Employees Group Benefits Program administered by the Employees Retirement System of Texas (ERS). The plan is intended to provide employees with replacement income when they are unable to work as a result of a total disability, as defined in the plan. It offers benefits for both Short Term Disability (STD) and Long Term Disability (LTD).
To participate in the plan, you must enroll in the plan and pay premiums to ERS.
Your premium depends on your monthly wage. Disability benefit coverage begins on the first day you are actively at work as long as you enroll on or before the first day of work. If you wait, but enroll within 31 days of your first day at work, coverage begins on the first day of the month after you enroll.
If you are considering employment with the State of Texas or with an institution of higher learning, Bemis, Roach & Reed strongly advises that you take advantage of the disability insurance benefit offered by ERS at the outset.
An applicant or an employee who fails to enroll within 31 days of his first day of work will not be offered disability insurance unless he can provide Evidence of Insurability. The applicant will pay all expenses related to obtaining Evidence of Insurability and there is no guarantee that you will be approved. If the employee is approved at this stage, coverage begins the first day of the month following approval.
Dearborn National (Fort Dearborn Life Insurance) is the former third party administrator of LTD claims. Aon Hewitt is the current administrator for ERS disability benefits in Texas. If you are a State of Texas Employee or an employee of a Texas institution of higher learning and have been denied disability benefits, contact Bemis, Roach & Reed to assist you with your claim.
Bemis Roach and Reed has successfully handled many ERS claims.
A college professor in north Texas contacted Bemis, Roach & Reed to assist in challenging the denial of long term disability (LTD) benefits through Fort Dearborn Life Insurance Company.
At the time we were contacted, the client had already initiated an appeal of the Fort Dearborn denial by requesting a review from the Employee Retirement System of Texas (ERS). The claim was set for hearing before an administrative law judge (ALJ) with the State Office of Administrative Hearings in Austin, Texas. The college professor suffered from fibromyalgia. The disease had progressed to the point that work was no longer possible due to constant pain and fatigue. Fort Dearborn denied the claim when it was filed.
Bemis, Roach & Reed accepted the representation and began to litigate the case.
We arranged for our client to attend a functional capacity evaluation (FCE). The FCE supported our contention that our client could no longer work as a college professor. We also developed medical testimony from the client’s treating physicians. The case resolved to the satisfaction of all parties by confidential settlement prior to the ALJ hearing.
If you are an employee of an educational institution or if you are an employee of the State of Texas and have been denied disability benefits, contact the long term disability attorneys at Bemis, Roach & Reed. We are an Austin based law firm and can assist you with your claim.
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