CTA members starting at a new school district have a special opportunity to apply for CTA-endorsed Disability and Life insurance without answering health questions within 270 days of starting work.
Whether you had coverage with The Standard at your prior district or not, you will need to apply for coverage at the new school district as it doesn't automatically transfer to the new employer. Consider the coverage options below and apply for what you need!
Your Coverage Options:
Protect Your Paycheck with Disability Insurance
Disability insurance pays you if you're unable to work due to an injury, illness (including mental health conditions and substance abuse), pregnancy and childbirth.
Protect Your Loved Ones with Life insurance (effective July 1, 2022)
Up to $400,000 of CTA-endorsed Life insurance1 for yourself with matching Accidental Death & Dismemberment benefits (up to $200,000).
Family Coverage Options (effective July 1, 2022)
Why Choose The Standard
CTA members have unique insurance needs. That's why CTA Member Benefits partners with The Standard to offer CTA-endorsed Disability and Life insurance plans designed specifically for education professionals. These plans offer quality coverage at group rates to help you protect your paycheck and loved ones. Watch this short video to learn more.
Additional Benefits at No Extra Cost:
With CTA-endorsed Disability insurance, you may be eligible for additional benefits paid on top of disability benefits from The Standard. This means extra cash in your pocket if your approved claim qualifies for these benefits:
NEW! Summer Benefit3
$500 per week (maximum of $4,500) during the months of June and July for eligible members who become or continue to be Disabled with a Disability date on or after September 1, 2022.3
Student Loan Benefit
Active CTA members approved for a disability claim under the CTA-endorsed Disability insurance plan 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 Disability insurance plan may be eligible for an additional benefit of up to $400 a month (for a maximum of $2,400).
Tool and resources included with CTA-endorsed Life insurance you can use now:
Life Services Toolkit4
Collection of online tools and services to use now included with CTA-endorsed Life insurance. Get help creating a will, recovering from identity theft, putting your finances in order and more. Includes features your loved ones have access to after a loss.
Travel Assistance4
Access to a comprehensive range of professional, 24-hour medical and travel emergency assistance services including prescription refill assistance, medical referrals and more. Travel Assistance is included with CTA-endorsed Life insurance.
Don’t miss your opportunity to apply without answering health questions. Apply within 270 days from starting your new job.
Note: If you are considering switching your Disability insurance coverage from another carrier to the CTA-endorsed plan, be sure you understand any differences between the plans' terms, exclusions and benefits and how they could apply to your personal situation.
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.
2 Each option of Life insurance for your spouse/domestic partner or dependents may not exceed 50% of your Life insurance coverage.
3 Summer Benefit is offered by CTA to eligible members who meet the Definition of Disability with a Disability date on or after 9/1/2022 who meet additional specific criteria. Summer Benefit is only payable during the calendar months of June and July, for up to two Benefit Years for each instance of qualifying Disability. Summer Benefit is not provided under the Voluntary Disability insurance policy. CTA provides this benefit at no extra cost and The Standard acts only as the claims administrator of this benefit.
4 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 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
If you're unable to work due to an injury, illness (including mental health conditions and substance abuse), pregnancy or childbirth - ask yourself how long you could go without your paycheck. Where health insurance pays your doctor - disability benefits are paid directly to you. You can use them for any expenses including rent/mortgage, groceries, utilities, etc.
Want to learn more? Watch this short video.
Take a few minutes to protect your paycheck. Apply now with no health questions asked.
Note: If you are considering switching your Disability insurance coverage from another carrier to the CTA-endorsed plan, be sure you understand any differences between the plans' terms, exclusions and benefits and how they could apply to your personal situation.
1 Based on the claims decisions data developed by The Standard for a period of 9/1/18 -8/30/21.
2 Council for Disability Awareness, https://disabilitycanhappen.org/disability-statistic as of 10/21/21.
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
There are many factors in determining how much life insurance you need. Use the calculator to the right as a guide for your specific needs.
CTA-endorsed Life insurance includes valuable additional features you and your loved ones can benefit from, now and in the future – all at no additional cost.
Want to learn more? Watch this short video.
Get More with CTA-endorsed Life Insurance
Guarantee Issue Amount of CTA-endorsed Life insurance (effective July 1, 2022)
During this special enrollment opportunity, eligible CTA members can get a Guarantee Issue Amount of Life insurance of up to $400,000 with no health questions asked.4
Matching AD&D Coverage
Matching Accidental Death & Dismemberment coverage up to $200,000 is automatically included with your CTA-endorsed Life insurance at no additional cost.
Spouse/Domestic Partner and Dependent Coverage Options
Options available to supplement or begin coverage for your spouse/domestic partner and any eligible children.
Life Services Toolkit5
Our collection of online tools and services to use now. Get help creating a will, recovering from identity theft, putting your finances in order and more. Includes features your loved ones have access to after a loss.
Travel Assistance5
Access to a comprehensive range of professional, 24-hour medical and travel emergency assistance services including prescription refill assistance, medical referrals and more.
Take a few minutes to apply now with no health questions asked.
1 Average amount Californians owe on their homes, https://www.debt.org/faqs/americans-in-debt/consumer-california/, 2020.
2 https://www.usda.gov/media/blog/2017/01/13/cost-raising-child, 2020.
3 Average student loan debt in California ($41,282); Average credit card debt ($6,729) and auto loan balance ($19,713) in California; https://www.debt.org/faqs/americans-in-debt/consumer-california/, 2020.
4 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.
5 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.
GP190-LIFE/S399/CTA.3
Text [node:field-text-code] to 74050 to sign up for text reminders about your enrollment.*
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Jared's Story: Time for Family
Age: 36 - Occupation: pediatrician - Married, one child
How the Family Care Benefit provided the ability to care for a loved one
Jared's daughter was born with a heart defect. They visited multiple specialists to diagnose the condition and determine the appropriate treatment. Then his daughter underwent surgeries, hospital stays and months of follow-up appointments. Benefits from Jared’s Platinum Advantage policy helped make up for the income lost when Jared spent time away from work to attend physician appointments and to be with his daughter in the hospital and throughout her extended recovery — providing peace of mind during a trying time.
Jody's Story:
Supportive Office Equipment
Age: 42 - Occupation: accountant - Married, no children
Assistance on the road to recovery through a rehabilitation program
Jody's role as an accountant at a small firm requires a lot of computer work. After sustaining a serious back injury from a car accident, Jody was totally disabled under her Platinum Advantage policy. Jody’s doctor recommended she purchase assistive equipment to help her work comfortably at her desk without aggravating her condition. She was able to return to work full time after participating in a rehabilitation program in which expenses for a sitstand desk and other ergonomic accommodations were paid for under her Platinum Advantage policy. These modifications helped ensure she could return to work safely, without hindering her recovery.
David's Story: Starting a Medical Career
Age: 33 - Occupation: dermatology physician - Single, no children
Benefits that match career growth through the Benefit Increase Rider
David is completing his dermatology residency and just accepted an offer at a private practice. Before the end of his residency, he purchased a Platinum Advantage policy that included the Benefit Increase Rider, knowing his income will rise significantly after he starts his first post-residency job. The benefit also will allow his policy to grow with him as he progresses in his career and receives additional salary increases. David values the fact that his coverage going forward will match his developing career.
Jason's Story: Accidents Happen
Age: 35 • Occupation: orthopedic surgeon • Married, two children
Finding work in a new occupation with the Own Occupation Rider
Jason injured his right hand in an accident and was unable to return to his job as an orthopedic surgeon because he couldn't perform surgery. Due to his medical training, he was able to return to work as a family medicine physician. Jason was considered totally disabled in his regular occupation as an orthopedic surgeon — even though he earns an income from another occupation as a family medicine physician — because of the own occupation definition of total disability included in his Platinum Advantage policy. Because of this, he receives the policy's full basic monthly benefit, in addition to the income he receives in his new position.
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