How does short-term disability insurance work in Texas?

Texas does not offer state short-term disability insurance for non-government workers. State government workers have the option to enroll in a worksite plan through ERS. However, the state does not have a law requiring private employers to offer an employer or employee paid option. read more

Short-term disability is a form of insurance that helps you to cover day-to-day expenses if you are temporarily unable to work. Unlike disability coverage provided by state labor departments or by the Social Security Administration, short-term disability insurance is voluntary and it is provided by private companies. read more

Texas employers may provide such insurance, but they are not required to do so. State law, however, may require specific provisions in a group disability policy sold by insurers in Texas. Texas Department of Insurance regulations provide that, generally, disability insurance policies offered, issued, renewed, or delivered on or after February 1, 2011, may not include a discretionary clause (TX Admin. read more