CTA - endorsed Life Insurance from The Standard

Life Insurance is a key part of any financial plan. The CTA-endorsed Life Insurance Plan from The Standard is designed to supplement your existing Life Insurance or help you start new coverage.

Making sure you have enough Life Insurance during your working years is a critical part of protecting your loved ones. Even if you already have some life insurance from your district, spouse/domestic partner or other sources, it is important to periodically re-evaluate your life insurance needs to ensure you and your family are financially prepared for the future. Take a moment to estimate your insurance needs with The Standard’s Life Insurance Needs Calculator.

CTA-endorsed Life Insurance Highlights:

• Term Life Insurance coverage with options from $25,000 to $400,000¹
• Matching Accidental Death and Dismemberment (AD&D) benefits up to $200,000
• Optional coverage for your spouse/domestic partner and children

Additional Features and Services:

• Life Services Toolkit: A lineup of additional services that can make a difference now and in the future. Online tools and services can help you create a will, make advance funeral plans and put your finances in order. After a loss, beneficiaries can consult experts by phone or in person, and obtain other helpful information online.² Learn More
• Travel Assistance: Access to a comprehensive range of professional 24-hour medical, legal and trip assistance information, as well as referral and coordination services when traveling 100 miles or more from home or when traveling in a foreign country for trips up to 180 days.³

How to Apply:

As a CTA member in good standing, you can apply for CTA-endorsed Life Insurance at any time – no need to wait for an open enrollment opportunity in your district. Just complete a short Online Application and a Medical History Statement form. You can also apply over the phone or request an application packet to be mailed to you by calling The Standard’s dedicated CTA Customer Service Department at 800.522.0406 (TTY), Monday through Friday, 7 a.m. to 6 p.m. Pacific Time.

 

 

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.

2 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.

3 Travel Assistance is not insurance. Services are provided through an arrangement with UnitedHealthcare Global, the marketing name for FrontierMEDEX, Inc. Consult the UnitedHealthcare Global Travel Assistance program description for complete terms, conditions and limitations. For a copy of the program description call The Standard’s dedicated CTA Customer Service Department at 800.522.0406. You can also visit https://members.uhcglobal.com/Standard/standard1.aspx for additional information.

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 or contact Standard Insurance Company at 800.522.0406 (TTY).

Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR 97204

GP190-LTD/S399/CTA.3    GP190-LIFE/S399/CTA.3

Life Insurance Coverage Options

• Term Life Insurance for you, with coverage options ranging from $25,000 to $400,000.¹
• Your spouse/domestic partner or child can receive coverage on 50% of your coverage amount (up to $100,000).
• When you enroll in Life Insurance, you automatically get Accidental Death and Dismemberment (AD&D) coverage in the amount of your Life Insurance up to $200,000 at no additional cost.
• Optional $5,000 of Term Life and AD&D coverage for your dependents including spouse/domestic partner and eligible children.

Benefits to help with illness or injury

• Accelerated benefit provides advance payments of up to 80% of the amount of Life Insurance in force if you provide satisfactory proof to The Standard that, while insured, you have been diagnosed with a terminal illness with a life expectancy of less than 12 months. The amount paid under the accelerated benefit reduces the amount of Life Insurance paid upon your death.
• Qualified disability benefit provides payment of up to 60% of the amount of Life Insurance in force if you provide satisfactory proof to The Standard that, while insured, you are unable to perform two or more activities of daily living. The amount paid under the qualified benefit reduces the amount of Life Insurance paid upon your death.

Continuation Options

• You may continue your coverage during an approved leave of absence or total disability, subject to continued payment of premium.
• Retiree Term Life insurance coverage available to CTA-NEA lifetime retired members upon retirement. Coverage election as an active participant predetermines the amount of coverage when you retire. Coverage will be reduced to one-fifth (1/5) of the amount in force on the day of your retirement.²

Additional Benefits

• Life Services Toolkit: Access to additional services and helpful information for plan participants and beneficiaries. Online tools and services can help you create a will, make advance funeral plans and put your finances in order. After a loss, beneficiaries can consult grief counselors and other experts by phone or in person, and obtain other helpful information online.³
• Travel Assistance: Provides insured members and their families to a comprehensive range of professional, 24-hour medical, legal and trip assistance information, as well as referral and coordination services when traveling 100 miles or more from home or when traveling in a foreign country for trips up to 180 days.⁴

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.

2 Retiree's Dependent Life Insurance amount is based on the amount of Life Insurance in force as a retired member.

3 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.

4 Travel Assistance is not insurance. Services are provided through an arrangement with UnitedHealthcare Global, the marketing name for FrontierMEDEX, Inc. Consult the UnitedHealthcare Global Travel Assistance program description for complete terms, conditions and limitations. For a copy of the program description call The Standard’s dedicated CTA Customer Service Department at 800.522.0406. You can also visit https://members.uhcglobal.com/Standard/standard1.aspx for additional information.

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 or contact Standard Insurance Company at 800.522.0406 (TTY).

Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR 97204

GP190-LTD/S399/CTA.3    GP190-LIFE/S399/CTA.3

Services to Help You Now

The Life Services Toolkit is available at no additional cost to those insured under a group Life Insurance policy from The Standard. These are some of the services available to the plan participants through the Life Services Toolkit:

• Estate Planning Assistance: Online tools, found in the Legal Forms section, walk you through the steps to prepare a will and create other documents, such as living wills, powers of attorney and health care agent forms.
• Financial Planning: Consult online services to help you manage debt, calculate mortgage and loan payments, and take care of other financial matters with confidence.
• Health and Wellness: Timely articles about nutrition, stress management and wellness help employees and their families lead healthy lives.
• Identity Theft Prevention: Check the website for ways to thwart identity thieves and resolve issues if identity theft occurs.
• Funeral Arrangements: Use the website to calculate funeral costs, find funeral-related services and make decisions about funeral arrangements in advance.

Services for Your Beneficiary

To help cope after a loss, Life Insurance beneficiaries can access these supportive services for 12 months after the date of death. Recipients of an Accelerated Benefit can also access these services for 12 months after the date of payment.

• Grief Support: Clinicians with master’s degrees are on call to provide confidential grief sessions by phone or in person. Beneficiaries are eligible for up to six face-to-face sessions and unlimited phone contact.
• Legal Services: Beneficiaries can obtain legal assistance from experienced attorneys. They can:
  • Schedule an initial 30-minute office and a telephone consultation with a network attorney. Beneficiaries who wish to retain a participating attorney after the initial consultation receive a 25 percent rate reduction from the attorney’s normal hourly or fixed fee rates.
  • Obtain an estate-planning package that consists of a simple will, a living will, a health care agent form and a durable power of attorney.
• Financial Assistance: Beneficiaries have unlimited phone access to financial counselors who can help with issues such as budgeting strategies, and credit and debt management, including hour-long sessions on topics requiring more in-depth discussion.
• Support Services: During an emotional time, beneficiaries can receive help planning a funeral or memorial service. Work-life advisors can guide them to resources to help manage household repairs and chores; find child care and elder care providers; or organize a move or relocation.
• Online Resources: Beneficiaries can easily access additional services and features on the Life Services Toolkit website for beneficiaries, including online resources to calculate funeral costs, find funeral-related services and make decisions about funeral arrangements.

Life Services Toolkit Access:

For Plan Participants: It is easy to access the Life Services Toolkit online – simply confirm that you are a current Life Insurance plan participant in the sidebar section of this webpage for login information.

For Beneficiaries: For login information, please call The Standard’s dedicated CTA Customer Service Department at 800.522.0406 (TTY), Monday through Friday, 7 a.m. to 6 p.m. Pacific Time.

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.

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 or contact Standard Insurance Company at 800.522.0406 (TTY).

Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR 97204

GP190-LTD/S399/CTA.3    GP190-LIFE/S399/CTA.3

Life Insurance Premiums are based on your age, selected Life Insurance amount and frequency of premium deductions by your employer (monthly, eleventhly or tenthly). Please see the Premium Amounts Flyer below for details.

 

Download a PDF version of Life Insurance Premium Amounts Flyer

 

 

Family Coverage Options

• 50% of the participant’s Life and AD&D Insurance coverage, up to $100,000 of coverage for spouse/domestic partner. Spouse/domestic partner premium is based on participant’s age and spouse/domestic partner coverage amount.¹
• $5,000 Term Life and $5,000 AD&D Insurance coverage for dependents, including spouse/domestic partner and eligible children. Premium: $1.00 monthly, $1.09 eleventhly, $1.20 tenthly.¹
• Satisfactory proof of good health required for spouse/domestic partner and/or dependent children if applying more than 31 days after the participant’s effective date unless you have had a qualified family status change. If applying within 31 days of the participant’s effective date or within 31 days following a family status change, and for amounts of $30,000 or less, proof of good health is not required.

 

1 The total amount of Life and AD&D Insurance coverage for a spouse/domestic partner may never exceed 50% of the participant’s Life and AD&D Insurance coverage.

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 or contact Standard Insurance Company at 800.522.0406 (TTY).

Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR 97204

GP190-LTD/S399/CTA.3    GP190-LIFE/S399/CTA.3