[Note to Chapter Leaders: If you choose to use the article above for your newsletter or website, please use the article in its entirety and do not alter the text in any way other than to change the capitalization, typeface or point size to meet your publication's style guidelines.]

Newly hired educators and education support professionals have a limited-time special opportunity to apply for CTA-endorsed Disability insurance and up to $400,000 in Life insurance¹ from Standard Insurance Company (The Standard) without having to answer any health questions. The Standard is the only CTA-endorsed provider for Disability and Life insurance and has been since 2007.

• 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.
  • Replaces up to 80% of your income (tax free) if you’re unable to work due to illness, injury, pregnancy or childbirth.²
  • Starts paying benefits after you are out of work for 7 consecutive workdays³ — including a $25 per workday benefit on top of your fully-paid sick leave.
  • Covers any preexisting conditions once you’re enrolled and work for 10 regularly scheduled workdays.
  • May qualify for additional benefits including Student Loan Benefit, Cancer Benefit and Summer Benefit⁴ paid on top of any other disability benefits from The Standard.
• Life insurance helps protect your loved ones. You can get up to $400,000 of CTA-endorsed Life insurance¹ with matching Accidental Death & Dismemberment benefits (up to $200,000).

Apply for coverage within 270 days of starting your job. Learn more or apply at standard.com/cta/newhire. 

Transferred Districts this year? CTA members who previously had coverage with The Standard must re-apply within 270 days of starting their new job to continue coverage at their new district as coverage doesn't automatically transfer. Apply at standard.com/cta/newhire. 

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 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.

3 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.

4 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 and this enrollment opportunity, including the exclusions, benefit waiting periods, and reductions or limitations and the terms under which the policies may be continued in force, please contact 
Standard Insurance Company at 800.522.0406.  Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR 97204      
GP190-LTD/S399/CTA.1      GP190-LIFE/S399/CTA.3     SI 23333-CTAvol (2/26)