CKD (Local) – Insurance And Annuities Management: Health and Life Insurance


The College District, through the Employee Retirement System of Texas (hereafter referred to as “ERS”), provides certain group insurance programs for full-time and other designated employees. The College District and the state may pay all or a portion of the premium for health coverage. The premiums for other optional coverages are to be paid by the employee.

Optional coverages include health, dental indemnity, dental DMO, term life, dependent life, AD&D, and short and long term disability.

Enrollment in any insurance is subject to rules and regulations of the ERS. Employees should direct any questions regarding eligibility, coverage, etc. to the business office. Insurance regulations are subject to change.

Eligible dependents may be covered subject to rules and regulations of the ERS.

Insurance benefits include a section 125 cafeteria plan also administered by the ERS. The plan provides for tax-reduction insurance premiums, and unreimbursed health and dependent care accounts. Enrollment and participation in these options is subject to the rules and regulations of the ERS. All coverages except dependent life, short-term disability, and long-term disability are included. Long-term care is available to all full-time employees and their dependents separate from the ERS benefits package.

In addition to group health and related insurance, the College District provides a Workers’ Compensation Program, Unemployment Insurance, and Professional Liability Insurance at no cost to the employees.

See DF (REGULATION) for Retirement Programs.

REVIEWED: 03/05