CTA members can apply for CTA-endorsed Disability and Life insurance at any time with satisfactory proof of good health. There are also several special enrollment opportunities available when eligible members can apply without answering health questions:
New Hire and District Transfer Enrollment
Members new to their district can apply for CTA-endorsed Voluntary Disability insurance and, effective July 1, 2022, up to $400,000 of CTA-endorsed Voluntary Life insurance1 with no health questions asked within 270 days of starting work at the new district. If you had coverage with The Standard at your prior district, you must reapply at the new school district as the coverage doesn’t automatically transfer to the new employer.
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Family Status Change Enrollment
Members can apply for CTA-endorsed Disability insurance and, effective July 1, 2022, up to $400,000 of CTA-endorsed Life insurance1 coverage within 60 days following the date of a family status change event, such as birth/adoption, marriage/domestic partnership, divorce/dissolution, loss of spousal employment, or other qualifying event.
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Chapter Campaign Special Enrollment
A special enrollment opportunity for eligible members of a local CTA chapter to apply without answering health questions - only available every 2-3 years. View active campaigns. If you don’t see your chapter, talk with your chapter leader about your next special enrollment opportunity.
Port Over Enrollment
If you are covered by a different insurance carrier, you have two opportunities each year to switch your coverage to The Standard without answering any health questions. You must apply during one of the port over windows: March 1 - April 30 or October 1 – November 30
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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.
