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State Bar of Texas Benefits Overview

As a State Bar of Texas employee, you are eligible for benefits as administered by the Employees Retirement System of Texas. The State pays 100% of full-time employees’ premium cost and 50% of their dependent’s premium cost for health insurance. Full-time employees are those that work 40 hours or more per week. The State Bar reserves the right to revise, amend, or discontinue any policy or benefit at any time and without prior notice. This does not create a contract or a guarantee of employment for any specific duration or establish a "just cause" termination standard. The State Bar of Texas provides the following benefits:

Medical

Health coverage is available for both you and your eligible dependents. You may choose from the following plans: HealthSelect, or an approved Health Maintenance Organization (HMO) that provide services in your area. There is a 90-day waiting period before you are eligible to use your health insurance. You and your eligible dependents may enroll in the group insurance program at retirement if you are 65 and have 10 years of service.

Dental

Dental coverage is available for both you and your eligible dependents. The State Bar offers two dental plans: one is a dental health maintenance organization (DHMO) that restricts coverage to services provided by participating dentists. The other is a dental indemnity plan that allows you to choose any dentist.

Life Insurance

When you enroll in the health plan, you automatically receive Basic Term Life insurance ($5,000 of Term Life and $5,000 of Accidental Death & Dismemberment). You may purchase Optional Term Life insurance with Accidental Death & Dismemberment coverage (one, two, three, or four times your annual salary) up to a maximum of $400,000. Term Life provides a benefit to your beneficiary in the event of your death. Accidental Death & Dismemberment provides an additional and equal benefit to your beneficiary in the event of your accidental death as well as benefits to you in the event of certain accidental injuries.

Dependent Term Life

Dependent Term Life ($5,000 of Term Life and $5,000 of Accidental Death & Dismemberment) insurance pays a benefit to you upon the death of your covered dependent or in the event of certain accidental injuries. The cost of this benefit is $1.38 per month regardless of the number of dependents you may have.

Voluntary AD&D

Voluntary Accidental Death & Dismemberment insurance provides a benefit to you if you suffer certain accidental injuries, or, to your beneficiary in the event of your accidental death. If you choose family coverage, a benefit is provided to you if your eligible dependents suffer certain accidental injuries or die as a result of an accident. The minimum coverage available is $10,000 and the maximum coverage is $200,000.

Disability Coverage

Both short-term and long-term disability coverages are available as optional coverages. These coverages may provide a monthly benefit should you become totally disabled. Short-term disability benefits will be paid up to 66% of your insured monthly salary (maximum $10,000) or $6,600 which ever is less, for up to five months; and Long-term disability benefits will be paid up to 60% of the insurance salary (maximum $10,000) or $6,600 whichever is less, and covers up to age 65.

Flexible Spending Accounts

The Dependent Care Reimbursement Account (DCRA) allows you to redirect a part of your pay into a tax-free account and then reimburse yourself for eligible day care expenses for your child/children under age 13. The minimum allowable deduction for the DCRA is $15 per month, and the maximum is $416 per month. The Health Care Reimbursement Account (HCRA) allows you to redirect a part of your pay into a tax-free account and then be reimbursed for out-of-pocket medical expenses for you and your eligible dependents. The minimum allowable deduction for the HCRA is $15 per month, and the maximum is $416.

Time Away From Work

All State Bar of Texas employees accrue sick leave and annual leave on a monthly basis. Full-time employees earn 8 hours of sick leave and a minimum of 8 hours of annual leave per month. The amount of annual leave to which you are entitled depends on your length of service. In addition, each employee receives 24 hours of personal leave at the beginning of each fiscal year. Part-time employees receive a portion of the full-time amounts.

State Retirement Contribution

Six and a half percent of your gross monthly base salary is deducted each month as your retirement contribution. This money goes into an individual account and earns 5% simple interest per year. You may not borrow money from your account, and you may not use your account money as collateral for a loan. The State Bar of Texas contributes 6.5% of the salary of each employee to help with the overall financing of retirement benefits. The State Bar’s contribution goes into a separate account. Each employee is vested in the retirement plan after 5 years of service. If you leave the State Bar and take a refund of your contributions, you will not receive the State Bar’s contribution.

State of Texas Deferred Compensation Plans

The Texa$aver 401(k) Plan and the 457 Plan are voluntary supplemental retirement plans offered to employees of the State. The Plans are administered in accordance with Internal Revenue Code Section 401(k) and 457, which allows you to set aside a portion of your gross salary and defer income taxes on your contributions and earnings. The Plan allows you to choose the investment vehicle that best fits your needs. There is no employer match for this plan.

For additional benefit information please visit www.ers.state.tx.us.