Newly Hired Educators & ESPs - 2C

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 included at no extra cost - 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
• 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 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.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.

GP190-LIFE/S399/CTA.3