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Texas Income Protection Plan for State Employees, ERS

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Disability Coverage Matters

Disability coverage matters; these four core “TIPPs” explain why.

TIPP #1: Valuable Coverage. Did you know that 62% of personal bankruptcies are due to medical costs1? Health insurance helps cover your medical bills, but who will pay your rent or mortgage and other expenses? Disability benefits can help pay the bills and protect you and your family from financial hardship.

TIPP #2: Prepare for the Unexpected. Illness or accidental injury can strike anyone, at any time. Being young and healthy doesn’t necessarily protect you from disability. In fact, more than one out of four people currently in their twenties will become disabled before they retire2.

TIPP #3: Provide for Your Family. If you’re saving for the future, like your children’s college education or your retirement, consider disability coverage. If you become disabled and can’t work, disability payments help pay the bills so you can avoid dipping into savings.

TIPP #4: Peace of Mind You Can Afford. If others rely on your pay for everyday necessities, disability coverage is an option you can’t afford not to have. Disability coverage gives you peace of mind knowing you’ll get help paying the bills if you can’t work due to disability.

  1. The American Journal of Medicine, June 4, 2009, Medical Bankruptcy in the United States, 2007: Results of a National Study; David U. Himmelstein, MD, Deborah Thorne, PhD, Elizabeth Warren, JD, Steffie Woolhandler, MD, MPH.
  2. Social Security Administration, Basic Facts April 2, 2014.

Think you’re too young or too healthy for disability coverage? Consider this…

what are your odds? image, You have a 38% chance of being disabled for 5 or more years.


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