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When Life Changes

Life changes are inevitable for everyone. Whether you are starting a family, nearing retirement, or have an unexpected illness, here you will find valuable tips and suggestions.

Starting a Family

Make Sure Your Insurance Coverage is Up-to-date.

As you prepare to start your family, it’s important to make sure you have enough Life Insurance and Disability Insurance to take care of your loved ones. As a CTA member, you are eligible to apply for CTA-endorsed Disability and Life Insurance without providing proof of good health if you apply within 31 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. 

CTA also provides the CTA Well-Baby Program at no additional cost to CTA members who participate in the CTA Voluntary Group Life Insurance and/or Disability Insurance Plan and to their spouse/domestic partner. The pregnant participant must also enroll within their 20th week of pregnancy. 


Unexpected Illness

You probably don’t ever plan on becoming disabled. Nobody does. But the fact is, just over one in four of today’s 20-year-olds will become disabled for at least 90 days or longer before they retire*. And, most of those disabilities are the result of an illness, not an accident**.  How would you pay your bills if you got sick and couldn’t work for three months – or longer?

CTA-endorsed Disability Insurance pays a benefit when you cannot work because of a covered illness, injury or pregnancy. You’re covered 24 hours a day, on and off the job. Disability 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. 

Click here to learn more about how the CTA-endorsed Disability Insurance coverage from The Standard can help protect your income and way of life.

*Social Security Administration, Fact Sheet, March 18, 2011

**Council for Disability Awareness 2011 Long-Term Disability Claims Review


Retirement and Aging

Planning for a comfortable retirement should start early in your career in order to achieve the best results.  Those that put it off may find that they have to work longer than they expected or may need to lower their expectations for their retirement.

The California Teachers Association has developed a special website devoted to financial and investment information for members – particularly articles, videos, tools, and guides to help members plan and invest for their retirements.  Visit www.CTAinvest.org and check out this great resource at your fingertips.  While there, you can also order printed guides to be sent to your home for review at your leisure.

If you carry CTA-endorsed Life Insurance as an active employee, you may be eligible to continue a portion of your current coverage into retirement with a CTA/NEA-Retired Lifetime membership.   If spouse/domestic partner dependent coverage was included in your active coverage before retirement, you may continue a portion of this coverage for an additional premium. Please note that you have to apply within 120 days of your retirement date in order to continue your coverage, and that member and spouse/domestic partner coverage reduces to 1/5th the amount in force as an active employee. In addition, 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. To learn more about CTA-endorsed Life Insurance for CTA/NEA Lifetime Retired members, log in and click here.

CTA/NEA-Retired members also get access to the CTA Vision Discount Program through VSP.  Also, CTA/NEA-Retired members can get added coverage through NEA Member Benefit insurance programs including NEA Medicare Supplement Program, NEA Long-Term Care Program, NEA Vision and Prescription Savings PlanNEA Dental and Vision Insurance Program and more.