Optional Insurance Benefits

Dental, Vision, Term Life, AD&D, Short- and Long-Term Disability, and Long-Term Care Insurance.


Eligible employees and dependents can enroll in one of two available dental insurance plans: State of Texas Dental Choice (PPO) or DeltaCare USA DHMO (Dental Health Maintenance Organization). For a detailed list of services and coverage, visit

State of Texas Dental Choice
This is a preferred provider organization (PPO) dental insurance plan and is a self-funded plan. That means ERS determines what will be covered under the plan and uses members' premium contributions to pay for the plan's share of eligible expenses. Participants have a choice between two networks: Delta Dental PPO network or Delta Dental Premier network. You can see any provider, but you will pay less if you see a PPO network dentist.


DeltaCare USA
This is a dental health maintenance organization (DHMO) dental insurance plan. Coverage applies only to dentists in the Texas service area. Before you enroll, make sure there is a DHMO network dentist in your area. You must select a primary care dentist (PCD) from a list of approved providers. You and your enrolled dependents can choose different primary care dentists.

State of Texas Vision administered by Superior Vision. Vision benefits are an easy way for you and your dependents to maintain healthy vision and eyes.

Optional Term Life Insurance

Available in increments of 1 to 4X's your salary to a maximum of $400,000. Premiums are based on employee's age and salary. Proof of insurability will be required for all but the 1X and 2X options during your first 30 days of employment. If you do not take 1X or 2X during your first 30 days of employment then you will have to prove insurability on 1X, 2X, 3X and 4X your life insurance.

Accidental Death & Dismemberment Life Insurance

Accidental life insurance in amounts of $10,000 to $200,000 at .02¢ per thousand for employee only and .04¢ for employee and family coverage.

Dependent Term Life Insurance With AD&D
$5,000 term life insurance available for all eligible dependents for $1.38 per family per month. This also includes $5,000 of AD&D insurance. Not available for Premium Conversion. If you do not take this during your first 30 days of employment you will have to prove insurability on your family to take this insurance.