Bridging the gap if you’re unable to work
Please note: ERS doesn’t manage paid leave for state agency employees. The intent of this notice is to make potential short-term disability enrollees aware of the new parental leave policy for state agency employees. If you have questions about leave policies, including FMLA and paid parental leave, please consult with HR staff at your organization.
Here are answers to some common questions about TIPP:
What does TIPP provide if I can’t work because of an illness, disability or pregnancy/childbirth?
- Short-term disability pays you 66% of your monthly salary (maximum monthly benefit is $6,600 for a monthly salary of $10,000 or more for up to five months; maximum 150 days) after you complete a waiting period of 30 consecutive days. The waiting period can include time when you’re getting paid for Sick or Annual Leave.
- Long-term disability pays 60% of your monthly salary (maximum monthly benefit is $6,000 for a monthly salary of $10,000 or more ) after you complete a 180-day waiting period. The waiting period can include time when you’re getting paid for Sick or Annual Leave and/or with TIPP short-term disability benefits. Long-term disability provides benefits until you can return to work or until you reach your Maximum Benefit Period. This is based on your age when you become disabled or on the condition causing your disability.
Can I apply for TIPP coverage anytime during the year?
No. You can only apply for TIPP coverage within the first 31 days after you are hired, after a qualifying life event or during the Summer Enrollment period. After your first 31 days of employment, coverage is subject to approval through evidence of insurability (EOI).
How much are premiums for TIPP, and will my employer contribute to my premium payment?
Because the benefit is based on your salary, your premium is based on your salary, too. You will find TIPP premium rates in the Personal Benefits Enrollment Statement that ERS will mail you about two weeks before your Summer Enrollment phase. Or visit the premium rates page on the ERS website for information on premiums.
Like all the optional benefits ERS offers, TIPP is funded entirely by participants. Neither the State of Texas nor your employer contributes to your TIPP premium payment.
Do I have to enroll in both short-term and long-term disability insurance, or can I choose only one?
You can apply for only one or both types of TIPP coverage. Each coverage has a separate premium.
Are there any conditions or disabilities that aren’t covered by TIPP?
There are exclusions for pre-existing conditions, that is, illnesses, injuries or conditions you had when you applied for the coverage.
There are other exclusions and conditions of coverage. Please read the plan document to ensure you understand them before applying for coverage.
When you file a TIPP claim, you probably will have to provide information from a doctor verifying your condition, when it began and (except for childbirth) that you’re unable to work due to the condition.
How much time do I have to file a claim if I become disabled?
You should file a claim as soon as possible, preferably within the first 90 days after the disability diagnosis.
Where can I find more information about TIPP?
Visit the Texas Income Protection Plan (TIPP) website to find more information and helpful resources.