Member Benefits

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.

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