CTA-endorsed Disability Insurance from The Standard
Disability Insurance pays a benefit when you cannot work because of covered illness, injury or pregnancy. Benefits can help with the everyday bills, such as the mortgage or rent, that continue even when you can’t work — expenses that health insurance won't cover.
Why You Need It
Not all school districts provide Disability Insurance to their employees, and CTA members aren't always eligible for California's state disability insurance plan. This means you may be left with only sick leave to protect you if you are unable to work due to disability. The CTA-endorsed Disability plans were specially designed to cover the gaps in coverage that many educators and education support professionals face. And because the plans are offered by CTA, you can trust they provide benefits designed with you in mind.
- Coverage for disabilities occurring on or off the job
- Access to the CTA Advisory Panel on Endorsed Services
- Includes Accidental Death and Dismemberment coverage
- Convenient payroll deductions for premiums
How You Get It
You can apply for coverage at any time by providing satisfactory proof of good health.
To apply you can:
In some circumstances, you may be eligible for special enrollment opportunities. These opportunities include:
- Newly Hired Members
Newly hired educators and education support professionals who apply for coverage within 180 days of their date of hire.
- Members Who Change Districts
Members who changed school districts and apply within 180 days of their date of hire have the opportunity to continue their existing coverage or they can apply for Disability Insurance under the new employment opportunity described above.
- Family Status Change
Members who apply for coverage within 60 days following the date of a family status change, such as birth/adoption, marriage/domestic partnership, divorce/dissolution, loss of spousal employment, or other qualifying event.
In addition, there may be other opportunities for you to add coverage, including special chapter enrollment campaigns or when transferring coverage from another insurance carrier to The Standard.
The information described here is subject to all terms and provisions of the Group Policy. For costs and further details of this offer and coverage, including exclusions, benefit waiting periods, any reductions or limitations and the terms under which the policy may be continued in force, please contact Standard Insurance Company at 800.522.0406 (TTY).
Disability Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LTD/S399/CTA.1.