Life Insurance Programs for Employees

Optional/Dependent Life, Long- and Short-term Disability, and Accidental Death & Dismemberment

In addition to health and dental coverage, ACC offers eligible employees the following optional insurance plans through the Employees Retirement System of Texas (ERS).

Optional and Dependent Life Insurance

Employees may choose to purchase additional life insurance up to a maximum of four times their annual salary through the Group Benefits Program (GBP), administered by ERS. Evidence of Insurability (EOI) will be required on certain coverage levels and after the initial enrollment period. This plan also automatically provides accidental death & dismemberment insurance equal to the amount of the employee’s life insurance.

For a full-time employee, ACC pays for coverage equal to one-times the employee’s salary and the employee pays for coverage over that amount. All other employees must pay the full cost of their coverage.  Costs are based on the age and salary of the employee.

Employees may choose to purchase dependent life insurance through ERS. The cost is a flat rate regardless of the number of dependents that are insured. Dependent life insurance covers a spouse and eligible unmarried children under age 26. The payable benefit is $5,000 per covered dependent and the plan includes $5,000 of accidental death and dismemberment benefit.

Accidental Death and Dismemberment Insurance

ACC provides Accidental Death and Dismemberment (AD&D) coverage in the amount of $55,000 for all eligible full-time employees. All other employees are required to pay all AD&D premiums for the employee and eligible dependents.

An employee may choose $10,000 to $200,000 of coverage in $5,000 increments and may add family coverage. Employees can elect Employee Only or Employee and Family but do not specify which family members are included in this coverage.

If an employee sustains an accidental bodily injury that results in death within 180 days of the accident or if an employee suffers the loss of a foot, hand, or eye, AD&D benefits will be payable to the employee or the employee’s beneficiary.

Long-term Disability Insurance (LTD)

Long-Term Disability provides protection against the loss of income should the employee become totally disabled at any time while employed by ACC. Benefits will become payable to an employee after the employee has become certified as totally disabled; completed the waiting period and exhausted all sick leave, including sick leave pool. The waiting period for UNUM is 90 days; the waiting period for ERS is 180 days for the LTD plan.

ACC pays the cost of Long-Term Disability coverage through UNUM for full-time employees. UNUM’s LTD plan also provides Travel Assistance when you are more than 100 miles from home. 

In lieu of the UNUM coverage, full-time employees may choose to purchase LTD coverage offered through ERS. Employees may not enroll in both plans.

All other employees may purchase long-term disability coverage through ERS. Insurance premiums for the LTD plan are based on the employee’s monthly salary.

Short-term Disability Insurance (STD)

Employees may choose to purchase short-term disability insurance through ERS. The cost is based on the employee’s salary and provides protection against the loss of income should the employee become temporarily disabled for up to five months. The maximum monthly benefit payable is 66% of an employee’s monthly salary (up to a salary of $10,000). The maximum benefit is $6,600 per month for up to five months, after a 30 elimination period or when the employee’s sick leave benefits run out, whichever is greater.

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