Take Action By March 31, 2026
Join a short virtual meeting to learn about this special enrollment opportunity and get your questions answered. Registration is required.
Meet In Person
March 10, from 3 to 5 p.m.
Helpful Enrollment Resources
Why Apply?
During this special opportunity, you can apply for CTA-endorsed Disability insurance and up to $250,000 of CTA-endorsed Life insurance2 without answering health questions.1
If you already have Life insurance, you can increase your coverage (up to $400,000), or add coverage for your family members.
Watch the video for an overview, or view more details below.
Coverage Details
CTA partnered with The Standard to offer you vetted Voluntary Disability and Life insurance for protection you deserve. Select a product to learn more.
Disability insurance helps protect your paycheck if you're unable to work due to an injury, illness (including mental health conditions and substance abuse), pregnancy or childbirth.
Where health insurance pays your doctor — disability benefits are paid directly to you. You can use disability benefits just like your paycheck for everyday expenses including rent/mortgage, groceries, utilities, etc.
Here’s how it works:
- Replaces up to 80% of your income (tax free) if you’re unable to work due to illness, injury, pregnancy or childbirth.1
- Starts paying benefits after you are out of work for 7 consecutive workdays2 — including a $25 per workday benefit on top of your fully-paid sick leave.
- Covers any preexisting conditions once you are enrolled and work for 10 regularly scheduled workdays.
- May qualify for additional benefits including Student Loan Benefit, Cancer Benefit and Summer Benefit3 paid on top of any other disability benefits from The Standard.
Take a few minutes to protect your paycheck during 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 Benefits are reduced by deductible income. Examples of deductible income include: personal leave pay, severance pay, substitute differential pay, catastrophic/extraordinary leave bank, salary continuation, workers’ compensation, work earnings, social security, state disability, CalPERS/CalSTRS benefits.
2 Workdays means any Regular Day(s) of Required Attendance you are required to be actively at work based on the calendar dates of the school calendar and your employment contract in effect on the date you become disabled.
3 Summer Benefit is offered by CTA to eligible members who meet additional specific criteria. CTA provides this benefit at no extra cost, and The Standard acts as the claims administrator of this benefit. Summer Benefit is not provided under the Voluntary 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.
GP190-LTD/S399/CTA.1
Life insurance coverage is central to a strong financial plan that helps provide for your loved ones in the event of your passing. The CTA-endorsed plan is a Level Term plan, meaning your rate will remain the same for the duration of each 5-year term. Group policies like the CTA-endorsed Life insurance plan often have lower rates than individual policies.
Coverage for You
- You Choose the Coverage Amount: Eligible CTA members can get a Guarantee Issue Amount of Life insurance of up to $250,0001 with no health questions asked.2 Want a different amount? No problem. You can choose the level that's right for you up to $400,0001 with proof of good health.
- Already have coverage with The Standard? This is your opportunity to increase your current coverage one level with no health questions asked.1,2
Family Coverage Options
- Spouse/Domestic Partner: Up to $50,000 of Life insurance for your spouse/domestic partner1,3
- Additional $5,000 of Life insurance available for spouse/domestic partner and each dependent child.3
Additional Features and Benefits
- 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.
- Life Services Toolkit:4 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 Assistance:4 Access a comprehensive range of professional, 24-hour medical and travel emergency assistance services including prescription refill assistance, medical referrals and more.
Watch this short video to learn more.
Take a few minutes to apply during this special enrollment opportunity.
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 No health questions asked when applying for up to the Guarantee Issue amount.
3 Each option of Life insurance for your spouse/domestic partner or dependents may not exceed 50% of your Life insurance coverage.
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 Life Insurance Certificate and Summary Plan Description.
GP190-LIFE/S399/CTA.3