1C Newly Hired Educators

Special Enrollment Opportunity Coming Soon for 1C Newly Hired Educators
You got this! Your confidence shines through. So do these CTA Benefits.

Take advantage of the special enrollment opportunity for newly hired educators.

Apply with no health questions asked within 270 days of starting your new job. Apply Now

 

Special Enrollment Opportunity for Newly Hired Educators

Starting a new job can be overwhelming. Take 5 minutes to protect your paycheck and loved ones with CTA-endorsed Disability and Life insurance. 

  • 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.

 

This enrollment opportunity offers you:

  • No health questions asked when you apply within 270 days from starting work
  • Disability insurance to help protect your income
  • Up to $200,000 of Life insurance1 for yourself
  • Up to $30,000 of Life insurance for spouse/domestic partner1,2
  • $5,000 of Life insurance for each dependent child1,2

 

Highlights:

  • Student Loan and Cancer Benefits are offered by CTA to members who are out on a disability claim to help with student loans or towards cancer care. These benefits are provided at no additional cost only to members enrolled in the CTA-endorsed Voluntary Disability insurance plan from The Standard - get details here.
  • CTA-endorsed Life insurance comes with access to Life Services Toolkit and Travel Assistanceget details here.

Don’t miss your opportunity to apply without answering health questions. Apply within 270 days from starting your new job.

 

 

 

1 Student Loan Benefit and Cancer Benefit are offered by CTA to eligible members on approved Disability claims under the CTA-endorsed Disability Insurance plans who meet specific criteria. CTA provides these self-funded benefits, and The Standard acts only as the claims administrator of these benefits. Student Loan and Cancer Benefits are not provided under the Disability Insurance policy.

2 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.

3 The amount of Life insurance for each dependent including spouse/domestic partner may not exceed 50% of your Life insurance coverage.

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

 

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 with a disability date on or after September 1, 2018 under the CTA-endorsed Disability insurance plans with The Standard with an active Student Loan may be eligible for an additional benefit of up to $200 per month while you remain disabled (maximum benefit $1,000) in addition to their Disability benefit from The Standard. Benefits are paid directly to you and can be used to help make your student loan payments.
  • Cancer Benefit: Active CTA members approved for a Disability claim due to Cancer with a disability date on or after September 1, 2018 under the CTA-endorsed Disability insurance plans with The Standard may be eligible for an additional benefit of up to $200 per month while you remain disabled (maximum benefit $1,000) in addition to their disability benefit from The Standard. These new benefits are paid directly to you and can be used for everyday expenses that health insurance doesn’t cover, such as rent/mortgage, utilities, groceries or child care.

 

 

 

 

1 Student Loan Benefit and Cancer Benefit are offered by CTA to eligible members on approved Disability claims under the CTA-endorsed Disability Insurance plans who meet specific criteria. CTA provides these benefits at no extra cost, and The Standard acts only as the claims administrator of these benefits. Student Loan and Cancer Benefits are not provided under the Disability Insurance policy.

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

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 family 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 family 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 can consult experts by phone or in person, and 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 270 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.

GP190-LIFE/S399/CTA.3

Text [node:field-text-code] to 74050 to sign up for text reminders about your enrollment.1

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Ask questions or get help applying in an individual virtual appointment.

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