As a CTA member, you always have the opportunity to apply for CTA-endorsed Disability insurance - even if you're covered by a different insurance company. To make it easier for you, we offer two special opportunities each year between October 1 - November 30 and March 1 - April 30 to switch your coverage without answering health questions.
Before you apply, be sure to compare your current disability plan with the CTA-endorsed plan, and understand how any differences may impact your personal situation. We've created an easy checklist you can download to help you compare Disability insurance plans.
Important: Please do not cancel your current insurance coverage until after you get confirmation of coverage from The Standard in step 3. This will ensure you don't have any gaps in coverage.
Act Now Before Time Runs Out
Remember, you must apply between March 1 - April 30 or October 1 - November 30 to take advantage of this special enrollment opportunity.
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 Examples of deductible income include: substitute differential pay, personal leave pay, severance pay, catastrophic/extraordinary leave bank, salary continuation, workers' compensation, work earnings, social security, state disability, CalPERS/CalSTRS benefits.
2 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.
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.
GP190-LTD/S399/CTA.1
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 8/1/2020 - 7/31/2023.
2 Report on the Economic Well-Being of U.S. Households in 2022- May 2023.Council for Disability Awareness, www.federalreserve.gov/publications/report-economic-well-being-us-households.htm.
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
GP190-LTD/S399/CTA.1
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 Benefit1
$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, 2022.1
Student Loan Benefit
Active CTA members approved for a disability claim 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 may be eligible for an additional benefit of up to $400 a month (for a maximum of $2,400).
1 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.
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.
GP190-LTD/S399/CTA.1
Text [node:field-text-code] to 74050 to sign up for text reminders about your enrollment.*
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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.
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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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