Family Status Change

If you’ve experienced any of the events listed below within the last 60 days, you qualify for the family status change enrollment opportunity. That means you’re eligible to apply for CTA-endorsed Disability insurance and up to $200,000¹ of CTA-endorsed Life insurance from Standard Insurance Company (The Standard) without answering health questions.²

• Marriage, divorce or legal separation
• Initiation or dissolution of a domestic partner relationship
• Birth or adoption of child
• Death of a spouse/domestic partner or child
• Commencement or termination of a spouse/domestic partner's employment
• Change in employment from full-time to part-time by you or your spouse/domestic partner

If you apply while you are on a leave of absence, your new coverage will be effective once you return to work.

Why Choose CTA-endorsed coverage?

More than 76,000³ of your peers know how good it feels to have taken steps to protect their incomes, families and way of life with CTA-endorsed Disability and Life Insurance coverage designed specifically for educators like you.  Learn more by watching this video.
 

Act Now Before Time Runs Out

Remember, you must apply within 60 days of the qualifying event to take advantage of this special enrollment opportunity

Note: If you are considering switching your disability insurance coverage from another carrier to the CTA-endorsed plan, be sure you understand any differences between the plans' terms, exclusions and benefits and how they could apply to your personal situation.

1 Coverage reduces to 65% of the amount in force at age 70, 45% of the amount in force at age 75 and 30% of the amount in force at age 80. Offer not available to retirees.

2 If any previous application submitted with proof of good health was denied by The Standard, then proof of good health will be required.

3 Based on figures developed by Standard Insurance Company as of April 2021.

For costs and further details of the coverage offered by Standard Insurance Company, including the exclusions, any reductions, benefit waiting periods or limitations and terms under which the policy may be continued in force, please view the sample Disability Insurance Certificate and Summary Plan Description for educators.

GP 190-LTD/S399/CTA.1     GP 190-LIFE/S399/CTA.3

Protect Your Paycheck with Disability Insurance

Disability benefits can help with the everyday bills, like your mortgage and utilities that continue even when you can't work – expenses that health insurance won't cover.

Not all school districts provide disability insurance to their employees, and members aren’t always eligible for California’s state disability insurance program. This means you may be left with only sick leave to protect you if you are unable to work due to disability.

The CTA-endorsed Disability Insurance plan was specifically designed to help fill the gaps in coverage that many educators face. And because this plan is offered by CTA, you can trust that it provides member advocacy protections that other plans can’t match.

CTA-endorsed Disability Insurance Highlights:

• It replaces up to 75% of your daily income¹ if you’re unable to work due to disability.
• Covers disabilities that occur on or off the job.
• Starts paying benefits after you are out of work for 7 consecutive workdays² — including a $25 per workday benefit on top of your fully-paid sick leave.

How does it work?

Let’s say you become disabled due to a work-related injury or illness and you earn a daily contract salary of $400. Here’s how your disability benefit would work: $400 times your disability benefit rate of 75% is an unreduced maximum benefit of $300 per workday. Subtract your workers’ compensation benefit of $70 per workday and your salary continuation benefit of $30 per workday to get a $200 disability benefit per workday.

That $200 per workday is yours to use as you see fit – just like your salary. Use it to pay bills, buy groceries or whatever else you and your family need.

Note: If you are considering switching your disability insurance coverage from another carrier to the CTA-endorsed plan, be sure you understand any differences between the plans' terms, exclusions and benefits and how they could apply to your personal situation.

1 Daily income is based on your regular daily contract salary. Benefits will be reduced by deductible income. Examples of deductible income include: personal leave pay, severance pay, substitute differential pay, catastrophic/extraordinary leave bank, salary continuation, workers’ compensation, work earnings, social security, state disability, CalPERS/CalSTRS benefits.

2 Workdays means any Regular Day(s) of Required Attendance you are required to be actively at work based on the calendar dates of the school calendar and your employment contract in effect on the date you become disabled.

For costs and further details of the coverage offered by Standard Insurance Company, including the exclusions, any reductions, benefit waiting periods or limitations and terms under which the policy may be continued in force, please view the sample Disability Insurance Certificate and Summary Plan Description for educators.

GP 190-LTD/S399/CTA.1     GP 190-LIFE/S399/CTA.3

Protect Your Loved Ones with Life Insurance

Life Insurance is a key part of any financial plan. CTA-endorsed Life Insurance from The Standard gives you assurance that your family will receive some financial assistance in the event of a death. But coverage under the CTA-endorsed Life policy does more than help protect your family from financial hardship after a loss. Insured participants have access to the Life Services Toolkit and Travel Assistance program, which offer additional services that can make a difference now and in the future.

CTA-endorsed Life Insurance Highlights:

• Matching Accidental Death and Dismemberment (AD&D) benefits (up to $200,000).
• Life Services Toolkit – Online tools and services can help insured members create a will, make advance funeral plans and put finances in order. After a loss, beneficiaries can consult experts by phone or in person, and obtain other helpful information online.¹
• Travel Assistance provides insured members and their families access to a comprehensive range of professional, 24-hour medical, legal and trip assistance information, as well as referral and coordination services. This worldwide assistance service is available to plan participants whenever they are traveling 100 miles or more from home or when traveling in a foreign country for trips up to
180 days.²

1 The Life Services Toolkit is provided through an arrangement with Morneau Shepell and is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. This service is not an insurance product. The Life Services Toolkit is not available to Life insurance beneficiaries who are minors or non-individual entities such as trusts, estates or charities.

2 Travel Assistance is not insurance. Services are provided through an arrangement with UnitedHealthcare Global, which is not affiliated with The Standard, and is subject to the terms, conditions, and limitations of the Travel Assistance Program Description. This service only is available while insured under The Standard’s group policy.

For costs and further details of the coverage offered by Standard Insurance Company, including the exclusions, any reductions, benefit waiting periods or limitations and terms under which the policy may be continued in force, please view the sample Life Insurance Certificate and Summary Plan Description.

GP 190-LTD/S399/CTA.1, GP 190-LIFE/S399/CTA.3

Student Loan Benefit and Cancer Benefit 

CTA understands the emotional and financial burden members may experience due to outstanding student loans or being out of work on a disability claim due to a Cancer diagnosis. That’s why CTA worked with The Standard to offer a Student Loan Benefit and a Cancer Benefit for CTA members enrolled in CTA-endorsed Voluntary Disability insurance.

Student Loan Benefit
Active CTA members approved for a disability claim with an active student loan may be eligible for an additional benefit of up to $400 a month (for a maximum of $2,400, not to exceed the balance of the student loan).

Cancer Benefit
Active CTA members approved for a disability claim due to cancer may be eligible for an additional benefit of up to $200 a month (for a maximum of $1,000).

Both benefits are paid in addition to the disability benefits and are paid directly to CTA members to help pay for everyday expenses like student loans, rent/mortgage, or child care.