2C Newly Hired Educators

Special Enrollment Opportunity for Newly Hired Educators

If you’re an educator who switched to a new district, you have a special opportunity to enroll in CTA-endorsed Disability and Life insurance without answering health questions.

Whether you had coverage with The Standard at your prior district or not, you need to apply for coverage at the new school district as it doesn't automatically transfer to the new employer.

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 insurance for yourself¹
• Up to $30,000 of Life insurance for spouse/domestic partner^1,2
• $5,000 of Life insurance for each dependent child^1,2

Note: if you think you might have had Life insurance coverage with The Standard above the listed amounts at the prior district and you'd like to continue that coverage, please reach out to our Customer Service Team to confirm your current coverage levels at CTAservice@standard.com with your full name and your prior school district. Once you verify your coverage, you can choose to apply to continue it at that level or add any new coverages from the list above.

Highlights:

• Student Loan and Cancer Benefits³ 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 Assistance – get details here.

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

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 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