Family Status Change Enrollment Opportunity

Disability insurance helps protect your paycheck if you're unable to work due to an injury, illness (including mental health conditions and substance abuse), pregnancy or childbirth.

Where health insurance pays your doctor — disability benefits are paid directly to you. You can use disability benefits just like your paycheck for everyday expenses including rent/mortgage, groceries, utilities, etc.

Here’s how it works:

• Replaces up to 80% of your income (tax free) if you’re unable to work due to illness, injury, pregnancy or childbirth.¹
• 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.
• Covers any preexisting conditions once you are enrolled and work for 10 consecutive workdays.
• May qualify for additional benefits including Student Loan Benefit, Cancer Benefit and Summer Benefit³ paid on top of any other disability benefits from The Standard.

Watch this short video to learn more.

Take a few minutes to protect your paycheck during this special enrollment opportunity.

Apply Now

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 Benefits are 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.

3 Summer Benefit is offered by CTA to eligible members who meet additional specific criteria. CTA provides this benefit at no extra cost, and The Standard acts as the claims administrator of this benefit. Summer Benefit is not provided under the Voluntary Disability insurance 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 Disability Insurance Certificate and Summary Plan Description for educators

GP190-LTD/S399/CTA.1

Life insurance coverage is central to a strong financial plan that helps provide for your loved ones in the event of your passing. The CTA-endorsed plan is a Level Term plan, meaning your rate will remain the same for the duration of each 5-year term. Group policies like the CTA-endorsed Life insurance plan often have lower rates than individual policies.

Coverage for You

• Eligible CTA members can chose the level of coverage that’s right for you up to $400,000¹ with no health questions asked.

Family Coverage Options

• Spouse/Domestic Partner: Up to $50,000 of Life insurance for your spouse/domestic partner^{1, 2}
• Additional $5,000 of Life insurance available for spouse/domestic partner and each dependent child.²

Additional Features and Benefits

• Matching AD&D Coverage: Matching Accidental Death & Dismemberment coverage up to $200,000 is automatically included with your CTA-endorsed Life insurance at no additional cost.
• Life Services Toolkit:³ Our collection of online tools and services to use now. Get help creating a will, recovering from identity theft, putting your finances in order and more. Includes features your loved ones have access to after a loss.
• Travel Assistance:³ Access a comprehensive range of professional, 24-hour medical and travel emergency assistance services including prescription refill assistance, medical referrals and more.

Watch this short video to learn more.

Take a few minutes to apply during this special enrollment opportunity.

Apply Now

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 Each option of Life insurance for your spouse/domestic partner or dependents may not exceed 50% of your Life insurance coverage. 

3 Travel Assistance and Life Services Toolkit are provided through an arrangement with service partners that are not affiliated with The Standard. These services are not insurance products.

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.

GP190-LIFE/S399/CTA.3