Texas has a lot to offer – historical landmarks, cultural and sporting events, family fun, and over 500 miles of coastline stretch along the Gulf of Mexico. The state has a little something for every vacationing explorer, but what if you just accepted a position in Texas or signed on as an employee of an institution of higher learning? You may want to familiarize yourself with the benefits of the Texas Employee Group Benefits Program administered by the Employees Retirement System of Texas (ERS).
The ERS Organization, a service-oriented trust agency founded in 1947 by the constitution and laws established by the state of Texas, provides retirement and insurance benefit programs for all state employees, retirees, and their dependents. Both Short Term Disability (STD) and Long Term Disability (LTD) benefits are available for those eligible to receive replacement income due to a disability rendering them unable to continue in their positions.
Through the Texas Income Protection PlanSM (TIPP), eligible employees can receive financial protection by opting for both short term and long term disability insurance offered by ERS through third party administrator Aon Hewitt. The following provides a brief summary of what is available through ERS:
- All active employees are eligible.
- New employees can enroll on or before first day of employment for immediate enrollment or up to 31 days following hire date to ensure coverage begins the first of the following month.
- Employees currently on unpaid leave of absence can continue to pay monthly premiums.
- Coverage excludes family members and retirees.
- Optional benefit providing a portion of monthly insurance salary if illness or injury prohibits satisfying employee requirements.
- A physician must document the disability.
- Benefits extend for up to five months for short term disability.
- Benefits are determined by age at onset of the disability for long term disability.
Planning your move to Texas was a sound decision; planning to opt for ERS disability coverage is a wise decision. As you explore the great state of Texas, whether through hiking or enjoying another favorite activity, an injury can definitely curtail your plans. Opting for disability coverage can offer you peace of mind throughout recovery.
If you are one of the over 300,000 Texas state or institution of higher learning employees covered by TIPP but your claim has been denied, it is time to contact a qualifiedTexas disability insurance attorney. At The Law Offices of Bemis, Roach & Reed, attorneys, Lloyd E. Bemis, III, Lonnie Roach, and Greg Reed have been representing Austin and surrounding area clients wrongly denied insurance benefits since 1993. Contact us at 512-454-4000 for more information on how we can assist with your ERS claim today.
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