Basic Group Term Life Insurance with Accelerated Life Benefit and AD&D:
Available to you at no cost after becoming employed with the State of Texas and enrolling in a Group Benefits Program health plan.
- $5,000 Basic Group Term Life
 ; and
- $5,000 Accidental Death and Dismemberment
Coverage includes an Extended Insurance Benefit (Waiver of Premium) if you become totally disabled prior to age 60 and a Conversion Privilege if you leave employment.
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Optional Group Term Life Insurance with Accelerated Life Benefit and AD&D:
You may also be eligible for additional coverage ranging from one to four times your Annual Salary up toa $400,000 maximum based on the following coverage elections:
- Election I - One times Annual Salary
- Election II - Two times Annual Salary
- Election III - Three times Annual Salary
- Election IV - Four times Annual Salary
Optional Group Term Life coverage includes an Extended Insurance Benefit (Waiver of Premium) if you become totally disabled prior to age 60, a Conversion Privilege if you leave employment and a two-year Suicide Exclusion.
Accelerated Life Benefit¹:
Accelerated Life Benefit is included with Basic and Optional Group Term Life.
For those enrolled in Basic Group Term Life only, the Accelerated Life Benefit provides a lump sum payment to you, if you have a diagnosed Terminal Condition. The amount of the payment will reduce your Basic Group Term LIfe amount to zero and there will be no benefits payable at your death. If you die as a result of a covered accidental bodily injury after receiving an accelerated life benefit payment, an AD&D benefit may be payable, subject to the accidental death and dismemberment requirements and limitations.
For those enrolled in Basic and Optional Group Term life, a lump sum payment will be provided to you at your request, of up to 80% of your Group Term Life coverage if you have a diagnosed Terminal Condition. The amount of your Group Term Life coverage will be reduced by the amount of any Accelerated Life Benefit payment that is made. The remaining coverage amount will be the amount payable to your designated beneficiary upon your death.
See your Current Benefits Book for complete details.
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Dependents' Group Term Life Insurance with Accelerated Life Benefit and AD&D:
You may select coverage for your eligible spouse and all eligible dependent children as follows:
- $5,000 Dependents' Group Term Life; and
- $5,000 Accidental Death and Dismemberment
Your dependents will not be denied coverage if you apply within the first 30 days of your employment. Otherwise, Evidence of Insurability (EOI) may be required.
The Dependents' Group Term Life coverage contains a two-year Suicide Exclusion and includes a Conversion Privilege for your spouse if you leave employment or in the event of your death.
Accelerated Life Benefit¹:
Accelerated Life Benefit is included with Dependents' Group Term Life coverage and provides a lump sum payment to you, at your request on behalf of a dependent, of that dependent's Group Term Life Insurance if your covered dependent has a diagnosed Terminal Condition.
The amount of the payment will reduce that Dependent's Group Term Life Insurance amount to zero and no benefit will be payable at your dependent's death. If your dependent dies as a result of accidental bodily injuries after the accelerated life benefit payment, an accidental death and dismemberment benefit may be payable subject to the accidental death and dismemberment requirements and limitations. See your Current Benefits Book for complete details.
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Voluntary Accidental Death and Dismemberment:
You may purchase Voluntary Accidental Death and Dismemberment (Voluntary AD&D) coverage for you only (Employee Only) or you and your family (Employee and Family) to provide additional financial protection in the event of certain accidental injuries or accidental death.
- Employee Only: Coverage amounts are based on your age at the time you apply as follows:
- Under age 70: $10,000 to $200,000 in amounts of $5,000
- Ages 70 to 74: $6,500 to $130,000 in amounts of $3,250
- Ages 75 to 79: $4,000 to $80,000 in amounts of $2,000
- Ages 80 to 84: $2,500 to $50,000 in amounts of $1,250
- Ages 85 to 89: $1,500 to $30,000 in amounts of $750
- Ages 90 & over: $1,000 to $20,000 in amounts of $500
- Employee and Family: Eligible dependents are entitled to a percentage of coverage as follows:
- Eligible Spouse: 50% of your coverage
- Eligible Child(ren) with no Eligible Spouse: 10% of your coverage
- Eligible Child(ren) with an Eligible Spouse: 5% of your coverage
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Short-Term Disability Income:
Through short-term disability (STD) insurance coverage, you can receive a portion of your income if you become disabled and are unable to work. This coverage is available to employees only - not dependents. EOI is not required if you apply within the first 31 days of your initial eligibility.
Short-term disability insurance will provide you for up to five months with some portion of your monthly income after a waiting period if illness or injury (including maternity) keeps you from working. You must be certified as totally disabled and complete the waiting period of your sick leave, extended sick leave and sick leave pool, or 30 consecutive days, whichever is greater. The following benefits apply:
- Your STD insured monthly salary amount would be equal to your monthly salary up to $10,000
- Your maximum monthly benefit would be the lesser of 66% of your insured monthly salary or $6,600
- If you are approved for this benefit, your minimum monthly benefit would be 10% of your insured monthly salary
- Benefits may be paid to you for up to five months
The amount payable to you will be reduced due to other sources of income you may be entitled to, such as:
- Workers' Compensation
- Employees Retirement System or Teacher Retirement System disability retirement benefits; and
- Other group disability benefits
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Long-Term Disability Income:
Through long-term disability (LTD) insurance coverage, you can receive a portion of your income if you become disabled and are unable to work. This coverage is available to employees only - not dependents. EOI is not required if you apply within the first 31 days of your initial eligibility.
Long-term disability insurance will provide you with a portion of your income if you become disabled and are unable to work for an extended period of time. You must be certified as totally disabled and complete the waiting period of your sick leave, extended sick leave and sick leave pool, or 90 consecutive days, whichever is greater. The following benefits apply:
- Your LTD insured monthly salary amount would be equal to your monthly salary up to $10,000
- Your maximum monthly benefit would be the lesser of 60% of your insured monthly salary or $6,000
- If you are approved for this benefit, your minimum monthly benefit would be 10% of your insured monthly salary for up to 12 months
The amount payable will be limited as follows:
- The maximum benefit period is determined by your age at the time of disability; and
- The benefit amount may be reduced due to other sources of income you may be entitled to such as:
- Social Security Disability for you and any eligible dependents;
- Workers' Compensation;
- Employees Retirement System of Texas or Teacher Retirement System disability retirement benefits; and
- Other group disability benefits
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