1AB Newly Hired Educators

Special Enrollment Opportunity for Newly Hired CTA Members

In these uncertain times, CTA membership makes more sense than ever. When you join CTA as a newly hired educator, you get access to many great benefits including CTA-endorsed Disability and Life insurance plans.

Disability Insurance helps protect your paycheck if you are unable to work due to an illness (including conditions caused by mental health disorders and substance abuse), injury, pregnancy or childbirth. Disability benefits are paid directly to you to use for everyday expenses like rent/mortgage, groceries and student loans.

Life Insurance helps protect your loved ones in the event of your passing. You also get additional features you can benefit from now, and in the future, at no additional cost.

Become a CTA member to get access to these offers:

• Eligible members who join CTA for the first time within 90 days of starting work can get 9 months of CTA Introductory Disability insurance at no cost to them.¹
• If you join CTA past 90 days on the job, you may still be eligible to apply for CTA-endorsed Disability insurance and up to $200,000 of Life insurance without answering health questions. Must apply for coverage with The Standard within 270 days of starting work.

For more information on becoming a CTA member, visit CTA.org/join.

Protect Your Paycheck with Disability Insurance

Your income is likely your greatest asset. Protect it with CTA-endorsed Disability insurance.

Disability insurance may help protect your paycheck if you aren’t able to work due to illness, injuries, pregnancy or childbirth. The benefits are paid directly to you and can be used to pay expenses that medical insurance doesn’t cover — like rent or mortgage, utilities, groceries, child care or other bills.

CTA-endorsed Disability Insurance Highlights:

• 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
• 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 $200 a month (for a maximum of $1,000, 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.²

1 The Life Services Toolkit is provided through an arrangement with Morneau Shepell and is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. This service is not an insurance product. The Life Services Toolkit is not available to Life insurance beneficiaries who are minors or non-individual entities such as trusts, estates or charities.

2 Travel Assistance is provided through an arrangement with Assist America, Inc. and is not affiliated with The Standard. Travel Assistance is subject to the terms and conditions, including exclusions and limitations of the Travel Assistance Program Description. Assist America, Inc. is solely responsible for providing and administering the included service. Travel Assistance is not an insurance product. This service is only available while insured under The Standard’s group policy. Spouses and children traveling on business for their employers are not eligible to access these services during those trips.

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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