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Texas Income Protection Plan (TIPP) for Active Employees

The Texas Income Protection PlanSM (TIPP) offers both short-term and long-term disability coverage. Both plans are available to active employees and pay a portion of your salary should you become totally disabled or sick and are unable to work.

Plan Benefits

Short-term Disability Overview

Short-term disability provides 66% of your annual salary with benefits payable for a period of up to five months (a maximum of 150 days) after completion of your 30-day waiting period. To be eligible for benefits, you must provide a physician certification that you are totally disabled and unable to work.

Long-term Disability Overview

Long-term disability provides 60% of your annual salary. Benefits are receivable until you are able to return to work or until you reach your Maximum Benefit Period (based on the age you become disabled) or based on the condition causing your disability after completion of the 180-day waiting period. To be eligible for benefits, you must provide a physician certification that you are totally disabled and unable to work.

Eligibility and Enrollment

  • The plan is available to GBP eligible employees. This coverage is not available to family members or retirees.
  • You can enroll in this plan during your first 31 days of employment without evidence of insurability. Coverage will begin the first of the following month.
  • You can apply through evidence of insurability if you have a qualifying life event (QLE) such as a birth or marriage and coverage will begin on the date of birth or the first of the month following the event. You can also apply to enroll during Summer Enrollment and coverage will begin on September 1 of that year.

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