Newly Hired Educators and ESPs - 1AA

CTA Introductory Disability Insurance for Brand New Educators and ESPs

CTA provides eligible brand new² educators and education support professionals with 9 months of CTA Introductory Disability insurance at no cost to you, when you join CTA for the first time between 7/1/2021-6/30/2022.¹ With disability benefits paid directly to you, this quality coverage from The Standard helps protect up to 75% of your regular daily contract salary if you’re unable to work due to illness, injury, pregnancy or childbirth.

Eligibility Requirements:

• You are a brand new² educator or education support professional starting your first job as a California educator or education support professional.
• You became a CTA member for the first time between 7/1/2021 - 6/30/2022.
• You work an average of at least 15 hours per week.
• You have an annual contract or equivalent with your employer.
• You are not a full-time member of the armed forces.

Enrollment is Automatic: if you meet the eligibility requirements above, your CTA Introductory Disability insurance coverage will automatically start on the later of the first day of work or the date you become a CTA member. You will receive a welcome packet from The Standard in the mail once you are enrolled. For more information on becoming a CTA member, visit CTA.org/join.

CTA-endorsed Life Insurance Option:

Newly hired CTA member also have an opportunity to apply for up to $200,000 of CTA-endorsed Voluntary Life insurance³ without answering health questions when you apply for coverage within 270 days from starting work. Once you become a CTA member, return to this website to apply.

Protect Your Paycheck with Disability Insurance

Your income is likely your greatest asset. CTA knows that new educators are more likely to not have enough sick leave or savings to cover expenses if illness, injury, pregnancy or childbirth prevents them from working. This is why CTA now provides eligible members with 9 months of CTA Introductory Disability insurance at no cost to them.

CTA Introductory Disability insurance has the same plan design as CTA-endorsed Voluntary Disability Insurance:

• Protects up to 75% of your contract salary
• Has a short preexisting condition exclusion period of just 10 workdays
• Covers disabilities that occur on or off the job
• Includes additional Student Loan and Cancer Benefits¹

• Includes $50,000 of Accidental Death & Dismemberment coverage

• Supported by a dedicated CTA Customer Service team at The Standard
• Access to CTA Advisory Panel on Endorsed Services

Student Loan and Cancer Benefits¹

These benefits are paid in addition to the disability benefits from The Standard directly to CTA members to help pay for everyday expenses like student loans, rent/mortgage or childcare. Details below:

• Student Loan Benefit: Active CTA members approved for a disability claim under the CTA-endorsed Voluntary Disability insurance plans 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 under the CTA-endorsed Voluntary Disability insurance plans may be eligible for an additional benefit of up to $200 a month (for a maximum of $1,000).

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 loved ones 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 loved ones 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 AD&D (Accidental Death and Dismemberment) 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 have access to grief counseling and legal advice and can 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.¹

1 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.

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