CTA-endorsed Disability Insurance from The Standard
Disability Insurance pays a benefit when you cannot work because of covered illness, injury, pregnancy or childbirth. 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
New Student Loan Benefit and Cancer Benefit with CTA-Endorsed Disability Insurance
We understand the emotional and financial burden members may experience due to outstanding student loans or being out of work on a disability claim due to a Cancer diagnosis. That’s why we created and are providing the Student Loan Benefit¹ and Cancer Benefit¹ for CTA members. These benefits will be available at no additional cost to Members enrolled in the CTA-endorsed Voluntary Disability Insurance plan from Standard Insurance Company (The Standard).
Active CTA members approved for a Disability claim with a disability date on or after September 1, 2018 under the CTA-endorsed Disability Insurance plans with The Standard with an active Student Loan may be eligible for an additional benefit of up to $200 per month while you remain disabled (maximum benefit $1,000) in addition to your disability benefit from The Standard. Benefits are paid directly to you and can be used to help make your student loan payments.
Active CTA members approved for a Disability claim due to Cancer with a disability date on or after September 1, 2018 under the CTA-endorsed Disability Insurance plans with The Standard may be eligible for an additional benefit of up to $200 per month while you remain disabled (maximum benefit $1,000) in addition to their disability benefit from The Standard. These new benefits are paid directly to you and can be used for everyday expenses that health insurance doesn’t cover such as rent/mortgage, utilities, groceries or child care.
How You Get CTA-endorsed Disability Insurance
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 can apply for Disability coverage and up to $200,000 of Life Insurance with no health questions asked within 180 days of starting work.
- Members Who Change Districts
Members who changed school districts and apply within 180 days of starting work have the opportunity to continue their existing coverage or they can apply for Disability or Life 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.
1 Student Loan Benefit and Cancer Benefit are offered by CTA to eligible members on approved Disability claims under the CTA-endorsed Disability Insurance plans who meet specific criteria. CTA provides these benefits at no extra cost, and The Standard acts only as the claims administrator of these benefits. Student Loan and Cancer Benefits are not provided under the Disability Insurance policy. To view the Certificate and Summary Plan Description for the Student Loan and Cancer Benefit Program, click here.
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.