Family Status Change

 

Special Enrollment Opportunity Coming Soon for Family Status Change
Family Status Change Enrollment Opportunity

 

You have 60 days to apply or make a change

Take advantage of your special enrollment opportunity for CTA-endorsed Disability and Life insurance.

 

 

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, effective July 1, 2022, up to $400,000 of CTA-endorsed Life insurance1 from Standard Insurance Company without answering health questions.2

Qualifying Family Status Change Events:

  • 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.

 

Your Coverage Options:

Protect Your Paycheck with Disability Insurance
Disability insurance pays you if you're unable to work due to an injury, illness (including mental health conditions and substance abuse), pregnancy and childbirth.

 

Protect Your Loved Ones with Life insurance (effective July 1, 2022)
Up to $400,000 of CTA-endorsed Life insurance1 for yourself with matching Accidental Death & Dismemberment benefits (up to $200,000).

 

Family Coverage Options (effective July 1, 2022)

  • Up to $50,000 of Life insurance for your spouse/domestic partner1,3
  • Additional $5,000 of Life insurance for spouse/domestic partner and each dependent child3

 

Why Choose CTA-endorsed coverage?

More than 75,0004 of your peers know how good it feels to have their income, families and way of life protected with CTA-endorsed Disability and Life insurance. The plans were designed specifically for CTA members 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.

 

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.

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

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

Based on figures developed by Standard Insurance Company as of April 2022.

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

 

Do I really need Disability insurance?

If you're unable to work due to an injury, illness (including mental health conditions and substance abuse), pregnancy or childbirth - ask yourself how long you could go without your paycheck. Where health insurance pays your doctor - disability benefits are paid directly to you. You can use them for any expenses including rent/mortgage, groceries, utilities, etc.

 

 

Want to learn more? Watch this short video.

 

Take a few minutes to protect your paycheck. Apply now with no health questions asked.3

 

 

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 Based on the claims decisions data developed by The Standard for a period of 9/1/18 -8/30/21.

2 Council for Disability Awareness, https://disabilitycanhappen.org/disability-statistic as of 10/21/21.

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

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

I know I need Life insurance. I just don't know how much I need.

There are many factors in determining how much life insurance you need. Use the calculator to the right as a guide for your specific needs.

 

 

CTA-endorsed Life insurance includes valuable additional features you and your loved ones can benefit from, now and in the future – all at no additional cost.

 

Want to learn more? Watch this short video.

 

Get More with CTA-endorsed Life Insurance

 

Guarantee Issue Amount of CTA-endorsed Life insurance (effective July 1, 2022)
During this special enrollment opportunity, eligible CTA members can get a Guarantee Issue Amount of Life insurance of up to $400,000 with no health questions asked.4,5 

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.

Spouse/Domestic Partner and Dependent Coverage Options
Options available to supplement or begin coverage for your spouse/domestic partner and any eligible children.

Life Services Toolkit6
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 Assistance6
Access to a comprehensive range of professional, 24-hour medical and travel emergency assistance services including prescription refill assistance, medical referrals and more.

 

Take a few minutes to apply now with no health questions asked.

 

 

1 Average amount Californians owe on their homes, https://www.debt.org/faqs/americans-in-debt/consumer-california/, 2020.

2 https://www.usda.gov/media/blog/2017/01/13/cost-raising-child, 2020.

3 Average student loan debt in California ($41,282); Average credit card debt ($6,729) and auto loan balance ($19,713) in California; https://www.debt.org/faqs/americans-in-debt/consumer-california/, 2020.

4 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.

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

6 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

Additional Benefits at No Extra Cost

With CTA-endorsed Disability insurance, you may be eligible for additional benefits paid on top of disability benefits from The Standard. This means extra cash in your pocket if your approved claim qualifies for these benefits:

 

NEW! Summer Benefit for CTA Members1
$500 per week (maximum of $4,500) during the months of June and July for eligible members who become or continue to be Disabled with a Disability date on or after September 1, 2022.1

 

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 $400 a month (for a maximum of $2,400).

 

 

 

 

 

 

1 Summer Benefit is offered by CTA to eligible members who meet the Definition of Disability with a Disability date on or after 9/1/2022 who meet additional specific criteria. Summer Benefit is only   payable during the calendar months of June and July, for up to two Benefit Years for each instance of qualifying Disability. Summer Benefit is not provided under the Voluntary Disability insurance policy. CTA provides this benefit at no extra cost and The Standard acts only as the claims administrator of this benefit.

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 or Life Insurance Certificate and Summary Plan Description.

GP190-LTD/S399/CTA.1     GP190-LIFE/S399/CTA.3

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