Opportunities to Apply For Coverage With No Health Questions Asked
Select a special enrollment opportunity to learn more.
Members new to their district have 270 days from starting work to apply for CTA-endorsed Disability insurance and up to $400,000 of CTA-endorsed Life insurance¹ without answering health questions.
A special enrollment opportunity just for members in your association. Chapters are usually eligible for a campaign every two to three years. To learn more and schedule your Chapter Campaign, contact your dedicated Benefits Consultant.
If you are covered by a different Disability insurance carrier, you have two opportunities each year to switch your Disability coverage to The Standard without answering any health questions. You must apply during one of the special enrollment opportunity windows of March 1 - April 30 or October 1 – November 30.
CTA members who experience a change in family status, such as getting married or having a child, have 60 days following a qualifying event to apply for CTA-endorsed Disability insurance and/or up to $400,000 of CTA-endorsed Life insurance.¹
CTA Member Testimonial
I’ve been covered by the CTA-endorsed Disability plan since I started teaching many years ago. I applied knowing teachers didn't have State Disability coverage, but never really expected to make a claim. Much to my surprise, I have made no less than six claims, each lasting more than six months in duration.
When they say they go above and beyond - they mean it! I had a medical emergency at a conference. The representative from The Standard drove me to the emergency room and ensured that I was treated promptly despite my lack of ID or insurance card. As a young healthy teacher, I never thought I would need the policy; as an experienced educator with health conditions, I know I cannot work without it!
When they say they go above and beyond - they mean it! I had a medical emergency at a conference. The representative from The Standard drove me to the emergency room and ensured that I was treated promptly despite my lack of ID or insurance card. As a young healthy teacher, I never thought I would need the policy; as an experienced educator with health conditions, I know I cannot work without it!
Michelle R.
Covina Unified Education Association