Articles for Chapter Newsletters

Promoting CTA Member Benefits through your local chapter newsletter is easy. Just check out the newsletter articles drafted by CTA Member Benefits.

5/15/19 (download)
Protect your paycheck with CTA-endorsed Disability Insurance

4/17/19 (download)
Switch to the only CTA-endorsed carrier for Disability and Life Insurance with no health questions asked

3/15/19 (download)
Are You Retiring this Year?

2/13/19 (download)
Visit The Standard at Upcoming Conferences and Receive a Gift Card

2/13/19 (download)
California Casualty has Funds for California School Music and Art Programs

1/23/19 (download)
Provident Credit Union Again Partners with NBC Sports Bay Area to Sponsor the 2019 All-Star Teacher Award

1/23/19 (download)
Time Is Running Out On This Special Enrollment Opportunity

12/17/18 (download)
Tips to Help You Stop Stressing About Your Finances

11/14/18 (download)
Did You Know that a Vehicle Goes Missing Every 6 ½ Minutes?

11/14/18 (download)
New school year. New Job. New benefits.

10/16/18 (download)
New Benefits Exclusively for CTA Members

10/16/18 (download)
California Casualty’s $7,500 School Lounge Makeover is Back

9/18/18 (download)
A+ Savings with CTA Member Benefits and Access to Savings

9/18/18 (download)
Protection For Your Loved Ones, Peace of Mind For You

8/16/18 (download)
New Educators - Don’t Miss This Deadline!

8/16/18 (download)
Are You Really Prepared for Disaster?

6/19/18 (download)
Register for the Member Benefits Strand at Summer Institute Soon. Awards are Still Available!!!

6/19/18 (download)
Disneyland Discounts Offered on our Access Discount Program Again

5/16/18 (download)
11 California Schools Score Athletics Grants from California Casualty

5/16/18 (download)
Protect your paycheck with CTA-Endorsed Disability Insurance

4/17/18 (download)
Now is the time to switch to the only CTA-endorsed carrier for Disability and Life Insurance

4/17/18 (download)
Home Inventory: Make it Now!

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Protect your paycheck with CTA-endorsed Disability Insurance

Did you know:

  • Most educators aren’t eligible for state disability coverage.
  • More than 25% of today’s 20-year olds will become disabled during their career.¹
  • Disability Insurance pays you, where health insurance pays your doctor.
  • Disability Insurance replaces a portion of your daily income² if you’re unable to work due to illness, injury, pregnancy or childbirth.

Disability Insurance pays a benefit directly to you to use for the things that health insurance doesn’t cover such as rent/mortgage, groceries, utilities, student loans, or even child care. Are you financially prepared if you had to be out of work and not receive a paycheck?

Participating in a group Disability Insurance plan is often one of the most cost-effective ways to protect your paycheck. As a CTA member, you may be eligible for the CTA Voluntary Disability Insurance plan offered by Standard Insurance Company (The Standard).

Learn more

Visit CTAMemberBenefits.org/Disability to learn about:

  • CTA-endorsed Disability Insurance
  • New Student Loan Benefit³ and Cancer Benefit³
  • How you can get CTA-endorsed Disability Insurance

 

1 U.S. Social Security Administration, Facts. https://www.ssa.gov/disabilityfacts/facts.html. Accessed April 2, 2019.

2 Daily income is based on your regular daily contract salary. Benefits will be reduced by deductible income. Examples of
   deductible income for Disability coverage: substitute differential pay, personal leave pay, severance pay,
   catastrophic/extraordinary leave bank, salary continuation, workers’ compensation, work earnings, social security, state
   disability, CalPERS/CalSTRS benefits.

3 Student Loan Benefit and Cancer Benefit are offered by CTA to eligible members on approved Disability claims with a disability
   date on or after 9/1/2018 who meet additional 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.

For pricing and further details of coverage such as any exclusions, limitations, reductions and benefit waiting periods, as well as the terms under which the policy may be continued in force, contact The Standard’s dedicated CTA Customer Service Department at 800.522.0406, Monday through Friday from 7 a.m. to 6 p.m.  Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR  97204

GP 190-LTD/S399/CTA.1

[Note to Chapter Newsletter Editors: If you choose to use the above article 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.]

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Switch to the only CTA-endorsed carrier for Disability and Life Insurance with no health questions asked

As a CTA member, you always have the opportunity to apply for CTA-endorsed Disability and Life Insurance from Standard Insurance Company (The Standard), even if you are covered by a different insurance company. To make it easier for you, you can switch coverage without answering health questions from April 1 through May 31. To begin the process, all you need to do is provide proof of your existing coverage with your application.

Why Choose CTA-endorsed Coverage?
More than 75,000¹ of your peers know how good it feels to have taken steps to protect their incomes, families and way of life with CTA-endorsed Disability and Life Insurance coverage designed specifically for educators like you. And now, at no extra cost to you, CTA also provides two new benefits, Cancer Benefit² and Student Loan Benefit² only for members enrolled in the CTA-endorsed Disability plan.

How to Switch Your Coverage
Before you switch your coverage, be sure to compare your current plan with the CTA-endorsed plans to understand how any differences may impact your personal situation. We’ve created an easy online checklist to compare Disability plans available at standard.com/cta/portover. If you’re interested in making the switch to The Standard, you can begin the process at standard.com/cta/portover. CTA members can also switch coverage by calling our dedicated CTA Customer Service Department at 800.522.0406 (TTY), Monday through Friday, 7:00 a.m. to 6:00 p.m.

1 Based on figures developed by Standard Insurance Company as of 3/31/2018.
2 The Student Loan and Cancer Benefits are offered by CTA to eligible members approved disability claims under the CTA-endorsed Voluntary Disability Insurance plans with a disability date on or after 9/1/2018 who meet additional specific criteria. CTA provides these benefits, 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.

For costs and further details of the coverage, including exclusions, benefit waiting periods and 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). GP190-LTD/S399/CTA.1 GP190-LIFE/S399/CTA.3

[Note to Chapter Newsletter Editors: If you choose to use the above article 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.]

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Are You Retiring this Year?

If you are planning on retiring at the end of this school year, you can continue a portion of your current, active CTA-endorsed Life Insurance. To do so, you must maintain a CTA-NEA Retired Lifetime Membership and apply to continue your coverage within 120 days of your retirement. To learn more, call The Standard’s dedicated CTA Customer Service Department at 800.522.0406 (TTY), 7:00 a.m. to 6 p.m. Pacific Time, Monday through Friday.

[Note to Chapter Leaders: If you use the above articles 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.]

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Visit The Standard at Upcoming Conferences and Receive a Gift Card

Come say hi to The Standard team at upcoming conference and take our brief survey. Taking our survey allows us to help serve CTA members better. We don’t ask for any personal information in our survey so it’s completely confidential. And best of all, you’ll walk away with a gift card to that famous Seattle based coffee company.

Stop by our table at Equity and Human Rights on Friday, March 1 and Saturday, March 2. We’ll also be at New Educator Weekend (North) on Friday, March 8 and Saturday, March 9.

Learn more at the.standard.com/cta/conferences

Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR  97204  

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California Casualty has Funds for California School Music and Art Programs

 

There is new help for California public school music, art and performance programs. California Casualty has introduced the Music and Arts Grants to help pay for art materials, music and other necessities. Educators at public K-12 schools across the Golden State can apply for $250 at www.calcasmusicartsgrant.com. The entry deadline is June 30, 2019, with grants awarded in September.

The grant is designed to foster creativity in schools for choir, band, dance, film, theater, computer arts and graphics or any K-12 curriculum that employs art for learning.  

California Casualty has been serving California educators since 1951 and understands the importance of music and arts education for children. Numerous studies have concluded that sharing a love of the arts enhances students’:

  • Brain development
  • Creativity
  • Classroom involvement

Music and art curriculum has also been shown to reduce disciplinary issues and dropout rates.

Unfortunately, arts education at many schools has been reduced or eliminated because of budget cuts. California Casualty hopes to fill the need with the Music and Arts Grant. The funds must be used to subsidize music and arts programs or projects in the classroom. Applicants must be a current member, or referred by a current member, of CTA. 

A pilot program in 2018 helped fund:

  • Ukuleles for the Kennydale Elementary School (WA) music and dance program
  • Uniforms, robes and instruments for the Edison High School (MN) choir and band program
  • Sketchbooks and art supplies for Highland Park Central Elementary School (KS)

“We want to help students soar with music, dance, fine art and other creative outlets,” said California Casualty AVP Brian Goodman. 

Apply now for a 2019 California Casualty Music and Arts Grant, and the chance to receive $250 for a worthy music, art or performance project at www.calcasmusicartsgrant.com.  

California Casualty has other giving programs available for CTA members that include:

For more information about the CTA Auto & Home Insurance Program provided by California Casualty, or to learn about its Community Impact Initiatives, visit www.calcas.com/cta, or call 1.800.800.9410.

Founded in 1914, California Casualty has partnered with CTA to provide members auto and home insurance tailored to their professional needs since 1951. Headquartered in San Mateo, California, with Service Centers in Arizona, Colorado and Kansas, California Casualty has been led by four generations of the Brown family. To learn more, or to request an auto insurance quote, please visit www.calcas.com/CTA, or call 1.800.800.9410. 

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Provident Credit Union Again Partners with NBC Sports Bay Area to Sponsor the 2019 All-Star Teacher Award

Our endorsed credit union partner, Provident Credit Union, would like to express their appreciation to CTA members.  For the past nine years, Provident has partnered with NBC Sports Bay Area to sponsor the All-Star Teacher Award – awarding over $200,000 to California schools.

The All-Star Teacher Award recognizes Northern and Central California teachers at the middle or high school levels.  In addition to having $20,000 donated to his or her school, the winning teacher will be announced at a San Francisco Giants game during an NBC Sports broadcast.

Nominations for teachers who make a difference in their schools and communities are due by February 1, 2019.  Nomination forms are available at www.providentcu.org/allstar and at all Provident Community branches.

And congratulations to member, Cori Starr, who was the 2018 All-Star Teacher and won $20,000 for Northgate High School in Walnut Creek.

Provident Membership Has Many Advantages
Here are Just a Few

  • New Teacher Loan – A personal loan for new teachers who are just starting out that features a low, fixed rate and flexible repayment terms.
  • Super Reward Checking – Earn an excellent yield with many free perks and no fees.
  • Auto Loans - Enjoy great rates and flexible terms on financing for new and used vehicles.  CTA members qualify for a .125% APR discount.
  • Home Loans – Take advantage of low rates and a variety of options including the First Time Home Buyer Program for educators.  CTA members qualify for a .125% APR discount.

To learn more about Provident Credit Union, go to www.CTAMemberBenefits.org/providentcu or www.Providentcu.org/cta.  You can also reach Provident Credit Union at 800-632-4600.  For questions about your exclusive CTA and NEA Member Benefits programs, go to www.CTAMemberBenefits.org, email member_benefits@cta.org, or call 650-552-5200.

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Time Is Running Out On This Special Enrollment Opportunity

New Year. Fresh Start. Sweet Benefits! As a newly hired CTA member, you have an exclusive, limited-time opportunity to apply for CTA-endorsed Disability Insurance and up to $200,000 in Life Insurance without having to answer health questions from Standard Insurance Company (The Standard). How sweet is that!

To get these sweet benefits, you must apply for CTA-endorsed Disability and Life Insurance within 180 days from starting your new job.

DISABILITY INSURANCE from The Standard can help protect your income if you encounter a health situation that keeps you from doing your job for an extended period of time. You’ll receive funds – paid directly to you – to use for things health insurance doesn’t cover, like rent, mortgage, groceries, childcare, student loans and more.

LIFE INSURANCE from The Standard provides for your loved ones in the event of your passing. You also get additional features that you can benefit from now, and in the future at no additional cost.

Time is running out! Offer expires 180 days from your first day on the job.

For costs and further details of the coverage and this enrollment opportunity, including exclusions, benefit waiting periods, any reductions or limitations and the terms under which the policy may be continued in force, call The Standard's CTA Customer Service Department at 800.522.0406, or visit www.standard.com/cta/newhire to apply online.

GP190-LTD/S399/CTA.1, GP190-LIFE/S399/CTA.3

[Note to Chapter Newsletter Editors: If you choose to use the above article 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.]

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Tips to Help You Stop Stressing About Your Finances

The best thing you can do to reduce financial worries is to get a good handle on your financial situation and make a solid plan and budget.

These days, making ends meet in California is harder than ever, and with the second highest cost of living in the United States, we all must develop a game plan to reduce our financial burdens. Get started on the right path by:

1. Knowing where your money is going

  • Track your spending: at the end of the month, you might be startled to see how much money leaked away on impulse purchases or luxury spends.
  • Make a budget: find a method that works for you, there are several options - try a few on for size until one works for your situation.

2. Knowing what you owe

  • Make a list or a spreadsheet of every debt you have: student loans, mortgage, car payment, credit card balances, child support, etc.
  • Add up the minimum monthly payments so you have a clear idea of how much money is needed to support your debt payments.

3. Setting attainable money goals

  • Contribute to a 403(b), individual retirement account (IRA), or some other retirement vehicle before focusing on paying down debt.
  • Find a method to begin slowly reducing your debt, especially credit card debt if that is the biggest burden.

4. Creating a few long-range goals

  • This is where you think about what you want to accomplish in your life: start a business, own a home, have a family, travel to exotic locations - whatever the goals, start setting them.
  • Once you have set reasonable goals, build action plans that will start you moving towards those goals: saving money, reducing spending, building your credit, learning new skills, etc.

5. Building action plans that will start you moving towards those goals

  • Find out what you don’t know, talk to professionals, read reputable financial articles and blogs.
  • Once you have improved your basic knowledge, start thinking about increasing your expertise, and seeking the help of reputable financial professionals. When working with financial advisors, be careful of commissioned arrangements as these will affect your desired outcomes.

6. Relaxing and Celebrating Your Success

  • If you have made the above moves, then you are on the path to a more promising financial future, so relax, work your plan, and don’t stress over the moment.
  • It is also important to celebrate your successes. When you reach your 403(b) monthly contribution goal or pay off a credit card, celebrate with something small that reminds you how important it is to trust your plan.

Every Penny Counts

Unlike a bank, Provident Credit Union, the only CTA-endorsed credit union, is a not-for-profit organization, which means they work for you and not for shareholders. Because of their unique tax-exempt status, they are able to help you start on the path to a financially stress-free life by offering CTA members an opportunity to:

  • Earn a $150 New Account Bonus
  • Reap high yield dividends with their Super Rewards Checking account (currently 2.01% APY) on balances up to $25,000
  • Save thousands over the life of auto and mortgage loans with the exclusive 0.125% rate discount for CTA members

Nationwide Access

Through their Co-Op network, you can easily access your money nationwide through the use of nearly 30,000 Surcharge-Free ATMs and over 5,600 Shared Branches.

With more ATMs than most of the biggest banks, you can access your money without your budget taking a hit. You can find Surcharge-Free ATMs at selected places you shop, such as: 7-Eleven, Circle K, Costco, Publix, Dunkin Donuts and Rite-Aid, and many more locations near you.

To learn more about Provident Credit Union, go to www.CTAMemberbenefits.org/provident, click on the brochure attached, or call 800-632-4600. To learn about your other CTA Member Benefits, go to www.CTAMemberBenefits.org. You can also find information on finances and investing at www.CTAinvest.org.

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Did You Know that a Vehicle Goes Missing Every 6 ½ Minutes?

It seems like a pretty easy concept; leaving your keys in the car is a bad idea; an open invitation to thieves. Unfortunately, that concept is still foreign to thousands of Americans.

While you may live in an area where you think your immune from car theft, crooks are out there. The National Insurance Crime Bureau reports there are about 700,000 vehicle thefts each year, with 60,000 of those a result of someone leaving the key or key fob inside or the car or truck running. That means someone returned to find their vehicle went missing about every six-and-a-half minutes.

There is a spike of these thefts as the weather chills and more people leave their cars and trucks warming up in driveways and parking areas.

Once again, California led the states with the most thefts (168,000), with Texas a distant second. The NICB has compiled a list of the ten metropolitan areas where the most vehicles were taken, and California’s Central Valley held five of the top spots for the most stolen automobiles.

1. Albuquerque, NM
2. Anchorage, AK
3. Pueblo, CO
4. Redding, CA
5. St. Joseph, MO
6. Bakersfield, CA
7. Modesto, CA
8. Stockton, CA
9. Yuba City, CA
10. Springfield, MO

The law enforcement community reports that crooks use the personal information contained in the vehicle for identity theft, and often drive a stolen vehicle to the home and use the garage door opener to burglarize it.

To help prevent the growth in vehicle thefts, the NCIB offers these important tips:

  • Lock the vehicle, set the alarm and take all keys or FOBS
  • Do not leave the garage door opener in the vehicle
  • Take a picture of your registration on your cell phone and do not leave the registration or other papers with personal information in the vehicle
  • Never leave a car unlocked and running to warm it up or while stopping for a quick cup of coffee – it only takes a moment for the opportunistic thief to jump inside and drive off

Remember, unless you have comprehensive coverage as part of your auto insurance, you are not protected against auto theft. You will be stuck paying for the repairs to your car or truck if it is recovered, or to replace it if it never turns up.

Now is a great time to contact a California Casualty advisor to make certain you have the protection you need for your driving needs. Give a call today at 1.800.800.9410 or visit www.calcas.com/CTA.

California Casualty has been a trusted partner with the CTA since 1951, providing its members auto and home insurance tailored to their professional needs. Headquartered in San Mateo, California, with Service Centers in Arizona, Colorado and Kansas, California Casualty has been led by four generations of the Brown family. To learn more, or to request an auto insurance quote, please visit: http://www.CTAMemberBenefits.org/calcas or http://www.calcas.com/CTA, or call 1-800-800-9410.

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New school year. New Job. New benefits.

You got the job – congratulations! Whether you are a brand new CTA member starting your first job or a long-time member starting at a new district, you have a special opportunity to apply for
CTA-endorsed Disability Insurance and up to $200,000 in Life Insurance from Standard Insurance Company (The Standard) all without having to answer any health questions.

  • Disability Insurance helps protect your income if you’re unable to work due to a disability (injury, illness, pregnancy or childbirth). You’ll receive funds – paid directly to you – to use for things health insurance doesn’t cover, like rent, mortgage, groceries, student loans and more.
  • Life Insurance provides for your loved ones in the event of your passing. You also get additional features that you can benefit from now and in the future at no additional cost, like Travel Assistance¹, identity theft protection, will writing tools and more.

New Benefits Exclusively for CTA Members
To help members during challenging times and help lessen the financial burden of student loans, CTA recently created two new benefits – Student Loan Benefit and Cancer Benefit – for members enrolled in the CTA-endorsed Voluntary Disability plans.

New Student Loan Benefit
Active CTA members approved for a disability claim under the CTA-endorsed Voluntary Disability Insurance plans with an active student loan may be eligible for an additional benefit of up to $200 a month (for a maximum of $1,000, not to exceed the balance of the student loan).²

New Cancer Benefit
Active CTA members approved for a disability claim due to cancer under the CTA-endorsed Voluntary Disability Insurance plans may be eligible for an additional benefit of up to $200 a month (for a maximum of $1,000).²

Both benefits are paid in addition to the disability benefits from The Standard and are paid directly to CTA members to help pay for everyday expenses like student loans, rent/mortgage, or child care. These benefits are provided by CTA at no additional cost to members and are available for qualified disability claims with a disability date on or after 9/1/2018.

To take advantage of this offer, apply within 180 days from starting your new job.

Enrolling is easy! Visit us at: www.standard.com/cta/newhire.

 

1 Travel Assistance is not insurance. Services are provided through an arrangement with UnitedHealthcare Global, the marketing name for FrontierMEDEX, Inc. Consult the UnitedHealthcare Global Travel Assistance program description for complete terms, conditions and limitations. For a copy of the program description call The Standard’s dedicated CTA Customer Service Department at 800.522.0406.

2 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.

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. GP190-LTD/S399/CTA.1; GP190-LIFE/S399/CTA.3

[Note to Chapter Newsletter Editors: 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.]

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New Benefits Exclusively for CTA Members

CTA is always looking for ways to enhance their member benefits. CTA understands 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 CTA created and is providing the Student Loan Benefit and Cancer Benefit for CTA members. These benefits will be available at no additional cost to Members enrolled in the CTA-endorsed Voluntary Disability Insurance plans from Standard Insurance Company (The Standard).

New Student Loan Benefit
Active CTA members approved for a disability claim under the CTA-endorsed Voluntary Disability Insurance plans with an active student loan may be eligible for an additional benefit of up to $200 a month (for a maximum of $1,000, not to exceed the balance of the student loan).¹

New Cancer Benefit
Active CTA members approved for a disability claim due to cancer under the CTA-endorsed Voluntary Disability Insurance plans may be eligible for an additional benefit of up to $200 a month (for a maximum of $1,000).¹
Benefits are paid directly to CTA members and can be used for everyday expenses that health insurance doesn’t cover such as rent/mortgage, utilities, groceries or child care.

Protection from a partner you can trust
With more than ten years of service to CTA members and a full-time, dedicated CTA Customer Service Department, The Standard is CTA’s partner for endorsed Disability and Life Insurance and is a partner you can trust. Just ask any of the 75,000² CTA members who have chosen The Standard to protect their way of life and loved ones

 

1 Student Loan Benefit and Cancer Benefit are offered by CTA to eligible members on approved Disability claims with a disability date on or after 9/1/2018 who meet additional 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.

2 As of March 31, 2018, based on data developed by The Standard.

For costs and further details of the coverage provided by Standard Insurance Company, including the exclusions, any reductions, benefit waiting periods or limitations and terms under which the policies may be continued in force, call The Standard’s dedicated CTA Customer Service department at 800.522.0406(TTY), 7:00 a.m.-6:00 p.m., Pacific Time, Monday-Friday.

Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR 97204 GP 190-LTD/S399/CTA.1GP190-LIFE/S399/CTA.3

[Note to Chapter Newsletter Editors: If you use the above articles 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.]

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California Casualty’s $7,500 School Lounge Makeover is Back

Madrid Middle School Principal Bonnie T. hated going to her school’s staff lounge. It was dark, dingy and full of old, dilapidated tables and chairs. “I think everything in there was from when the school opened 23 years ago,” she said. “It’s not the most inviting of places.”

Does that sound familiar? If so, here’s your chance to do something about it.

Due to popular demand, California Casualty’s $7,500 School Lounge Makeover® is back.

CTA members wishing to turn their ordinary lounge into something extraordinary can enter to win a lounge makeover at www.NewSchoolLounge.com/CTA. The entry deadline is July 12, 2019.

Serving CTA since 1951, California Casualty knows the importance of a designated space where instructors and school staff can take time to relax, recharge and share with their colleagues.

While educators give so much to their students and communities, all too often their lounge is one of the most neglected areas of a school.

Let California Casualty turn your school’s drab break room into something delightful. The School Lounge Makeover will create a restful environment that nurtures creativity and provides a place for staff to catch their breath.

Your school could join these California schools that have received a makeover: Warner Middle School in Westminster, Sunnydale Elementary School in Lancaster, Gilbert High School in Anaheim, and Madrid Middle School in El Monte

Bonnie T. was moved to tears after witnessing the school’s revamped lounge. “I’m happy for the teachers and staff because the area needed serious attention,” she said. “To have a place that is a real break room will make a difference for everyone.”

Bonnie retired a few months after the school lounge makeover at her school, and added, “I feel as if I have left something of real value for the incredible staff.”

“We’ve seen the dedication of administrators, teachers and staff firsthand and we’re proud to show our appreciation,” said California Casualty Sr. Vice President, Mike McCormick.

California educators can transform their school lounge by simply entering for a $7,500 School Lounge Makeover at www.NewSchoolLounge.com/CTA. All staff members can enter to increase their school’s chances of being picked.

The deadline to enter is July 12, 2019. A winner will be announced later that month.

Founded in 1914, California Casualty has partnered with CTA to provide members auto and home insurance tailored to their professional needs since 1951. Headquartered in San Mateo, California, with Service Centers in Arizona, Colorado and Kansas, California Casualty has been led by four generations of the Brown family. To learn more, or to request an auto insurance quote, please visit www.CTAMemberBenefits.org/calcas, or call 1.800.800.9410.

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A+ Savings with CTA Member Benefits and Access to Savings

Access to Savings loves helping CTA members save. It works closely with merchants nationwide to create exclusive discounts from top brands you can’t get anywhere else. With over 350,000 deals at local and national merchants, Access offers savings of up to 50 percent on shopping, dining, travel, auto, entertainment and recreation, health and beauty, home and garden, and more.

Its network of value-packed deals is easy to search, find and redeem via the CTA Access to Savings website and My Deals Mobile app. Simply visit CTAMemberBenefits.org/Access and log in to begin enjoying your discounts.

Or, enjoy more than 200,000 ready-to-use coupons by downloading the My Deals Mobile app from the App Store or Google Play. Search for coupons near you and show your mobile device at point-of-sale to get your discount instantly.

Style for You & Your Family
With the school year in full swing, Access has you covered from head to toe. You’ll find great deals on shoes, apparel and accessories. Among the retailers offering discounts:

  • Foot Locker
  • Dressbarn
  • Sally Beauty
  • GH Bass
  • Crazy 8

Classroom Essentials 
Find everything you need from some of our many partners below, from paper to arts and crafts, teacher supplies, electronics and more.

  • Apple
  • Office Depot/Office Max
  • DELL
  • Adobe
  • Audible
  • Discount School Supply
  • Lakeshore Learning Store
  • Vistaprint
  • Books a Million

Eating Out, Grocery Shopping
Be sure to use Access to indulge in delicious deals and scrumptious savings. From your favorite local café to popular national chains, there is something for every palate. You can also save on groceries using their grocery coupons for the days you want to pack a lunch.

  • Macaroni Grill
  • Quizno’s
  • Grocery Coupons

For the My Deals app, new users should enter Program ID 200449 when setting up your account. After, please verify eligibility with your email address and if prompted, your 10-digit CTA individual ID Number. Contact CTA Member Benefits at 650-552-5200 or member_benefits@cta.org if you need any assistance.

To learn more about your CTA Member Benefits and the Access to Savings discounts, go to www.CTAMemberBenefits.org or www.CTAMemberBenefits.org/Access.

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Protection For Your Loved Ones, Peace of Mind For You

Life Insurance is a key part of any financial plan. And making sure you have enough Life Insurance during your working years is a critical part of protecting your loved ones. The CTA-endorsed Term Life Insurance Plan from Standard Insurance Company (The Standard) is designed to help CTA members start new coverage or supplement your existing Life Insurance. The plan was created to help you get the coverage you need and the peace of mind you deserve.

CTA-endorsed Life Insurance Highlights

  • Customize your choice with coverage with options from $25,000 to $400,000¹
    Matching Accidental Death and Dismemberment Insurance (AD&D) up to $200,000 is included.²
  • Use our Toolkit of online tools and services³ to take full advantage of your Life Insurance today and in the future.
  • Travel Safer & Smarter with the complimentary Travel Assistance program*  included with your CTA-endorsed Life Insurance to help you feel more secure. You’ll have access to a comprehensive range of professional 24-hour medical and legal referral and coordination services, plus trip preparation information.

Have Questions?
Learn more and watch a short video at CTAMemberBenefits.org/TheStandard. If you’re not sure which coverages you have with The Standard, or would like more information about our Life or Disability Insurance, simply call our dedicated CTA Customer Service Department at 800.522.0406 (TTY) 7:00 a.m. to 6:00 p.m. Pacific Time, Monday through Friday, or email ctaservice@standard.com.

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.

2 The total amount of Life and AD&D Insurance coverage for a spouse/domestic partner may never exceed 50% of the participant’s Life and AD&D Insurance coverage.

3 The Life Services Toolkit is provided through an arrangement with Morneau Shepell and is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. This service is not an insurance product.

*  Travel Assistance is provided through an arrangement with UnitedHealthcare Global, which is not affiliated with The Standard, and is subject to terms and conditions, including exclusions and limitations, of the UnitedHealthcare Global Travel Assistance Program Description. UnitedHealthcare Global is solely responsible for providing and administering the included service. Travel Assistance is not an insurance product. UnitedHealthcare Global is the marketing name for FrontierMEDEX, Inc. This service is only available while insured under The Standard’s group policy.

For costs and further details of the coverage provided by Standard Insurance Company, including the exclusions, any reductions, benefit waiting periods or limitations and terms under which the policies may be continued in force, call The Standard’s dedicated CTA Customer Service department at 800.522.0406(TTY), 7:00 a.m.-6:00 p.m., Pacific Time, Monday-Friday. Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR 97204 GP190-LIFE/S399/CTA.3

[Note to Chapter Newsletter Editors: If you use the above articles 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.]

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New Educators - Don’t Miss This Deadline!

If you’re a newly hired employee and an eligible CTA member, now’s the time to get CTA-endorsed Disability and Life Insurance from Standard Insurance Company (The Standard). You have a special opportunity to get Disability Insurance and up to $200,000 of Life Insurance without answering any health questions if you apply within 180 days of starting work.

You can apply online at www.standard.com/cta/newhire.

These plans were created specifically for California education professionals and offer a number of great features, including:

  • Coverage for disabilities occurring on or off the job
  • Short pre-existing condition period¹
  • Additional benefits including Cancer and Student Loan support²

The Standard is the only Disability and Life Insurance provider endorsed by CTA. They were selected by CTA for their financial stability, integrity and commitment to serving CTA members. Don’t miss this opportunity – learn more and apply online at www.standard.com/cta/newhire.

  1. The Preexisting Condition Period is 30 calendar days before the insurance effective date. You’re your insurance takes effect, and you have worked ten (10) consecutive days, the preexisting condition exclusion period no longer applies.
  2. Student Loan Benefit and Cancer Benefit are offered by CTA to eligible members on approved Disability claims under the CTA-endorsed Disability Insurance plan who meet specific criteria. CTA provides these self-funded benefits, 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.

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 policy may be continued in force, please contact Standard Insurance Company at 800.522.0406. GP 190-LTD/S399/CTA.1; GP 190-LIFE/S399/CTA.3

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Are You Really Prepared for Disaster?

The scenes of fire blackened neighborhoods and families searching through the melted and twisted rubble of their homes are heartbreaking. Lost were irreplaceable heirlooms, priceless pictures, and people’s safety and security. Entire communities and neighborhoods were forever changed. Unfortunately, it seems that these images are becoming reality for more Californians.

The National Interagency Fire Center warns that disastrous infernos are now bigger and more common as heat and drought plague the west. As of mid-July, 3.3 million acres had burned in U.S. forests leaving 2,600 hundred homes destroyed. Following the worst fire year ever in California history, 2018 is off to a scary start with tens of thousands of acres already blackened, and threats of new blazes increasing daily.

It’s more important than ever that everyone take actions now to prepare for the next fire or major storm. Disaster planning includes reducing fuels around our homes, checking roofs, removing overhanging tree limbs and shrubs, and developing an evacuation plan. You’ll find information about how to fire-proof your home at http://mycalcas.com/wp-content/uploads/2018/07/Wildfire-Tips.pdf.   

Even with all of these precautions, many of us could be neglecting a key area of protection – updating our homeowners or renters insurance.

The statistics might surprise you. While two-thirds of Americans think they have enough dwelling and contents coverage, as many as 60 percent of homes destroyed in recent fires and floods were significantly underinsured, or had no insurance whatsoever. Not surprisingly with our busy schedules, 42 percent of homeowners and renters have not updated their insurance policies.

That worries California Casualty’s Senior Vice President of Underwriting, Chuck Muenzen, who understands wildfires and disasters all too well. He warns, “Now is the time to take action before the next catastrophe hits.”

Here are five things you can do now to help be more fully covered if a disaster strikes.

  1. Create a Comprehensive Home Inventory
    Almost 60 percent of homeowners and renters have not made an inventory of their possessions. Without an inventory, replacing appliances, clothing, beds and linens, kitchen goods, furniture and other important items can be difficult. Start by going room to room and make a printed list or take pictures with a camera or cell phone. Don’t forget to capture things stored in closets, drawers and your garage, attics and basements. Documenting purchases and saving receipts is also beneficial. It’s also a good idea to take pictures showing exteriors of the home like landscaping, decks and porches and ornamental touches. Need some help? You’ll find a great resource at https://mycalcas.com/2018/06/household-inventory-checklist/.
  2. Understand Your Policy
    Know if you have actual cash value (ACV) or replacement cost coverage for your home or apartment’s contents. ACV factors in depreciation, while replacement cost pays to replace your possessions. While you’ll pay a little more for replacement cost coverage, the difference could be tens of thousands of dollars if your home is damaged or destroyed. You’ll also want to check that you have adequate loss of use coverage (what your insurance will pay for your living expenses while you are out of your home) while your home is being rebuilt or repaired. After a disaster, construction companies can become swamped, and it could take two years or longer before you move into your new home. Hopefully, you’re insurance contains enough living expense coverage.
  3. Review Your Policy
    When’s the last time you pulled out your insurance paperwork and looked over what’s covered and what’s not? If it’s been a few years, you might find that your policy hasn’t been updated for any upgrades and remodeling you’ve done, and that the amount you’re insured for doesn’t reflect the increased costs for building material, labor, or updated building codes. If you updated your kitchen or bathrooms, upgraded your built-in appliances or added rooms or a patio, they may not be included. Many people who lost everything in recent fires have not been able to rebuild because they were severely underinsured.
  4. Protect Collectables and Other Valuables
    Standard homeowners/renters policies limit the amount they pay for the loss of expensive jewelry, art, and collectables. To protect them for their full value, you need a scheduled personal property endorsement (often called a floater) that pays for the amount you choose. Scheduled personal property protects your valuables from loss, theft or damage, all without a deductible. It’s also very affordable.
  5. Get Renters Insurance
    While 90 percent of homeowners have insurance, only half of all renters have purchased insurance for their possessions. As more of us choose to rent rather than own, we need to know that a landlord’s insurance only covers the building, not all the things you have worked so hard to acquire. Renters insurance also provides for living expenses if your place is unlivable, and includes liability protection in case someone gets hurt at your place and sues or you accidently start a fire that burns other units.

It’s also very important that you realize flood and earthquake coverage are not included with your standard homeowners/renters insurance policy. You will need to get separate flood and earthquake insurance to make sure you are covered.

Even if you dodged recent fires, it doesn’t mean you will in the future. Climatologists warn that storms and fires will continue to be more intense as the climate changes, so who knows what we’ll encounter in 2019 and beyond. That’s why it’s so important to make sure you have the protection you need beforehand.

Some great resources for understanding your insurance before you’re impacted by a disaster are at the Insurance Information Institute, https://www.iii.org/article/making-sure-your-home-properly-covered-disaster and the National Association of Insurance Commissioners, www.naic.org/index_consumer.htm. If you live in a fire-prone area, visit https://www.nfpa.org/Public-Education/By-topic/Wildfire/The-ember-threat-and-the-home-ignition-zone for detailed information on fire proofing your home.

CTA and California Casualty have teamed up for a powerful partnership that benefits CTA members with auto and home insurance that includes special benefits not available to the general public:

  • Home insurance that offers increased coverage for the cost of rebuilding to current building codes
  • Inflation protection to help keep up with the rising cost of rebuilding your home
  • Coverage of up to $500 for fundraising money while under your care at school
  • Educators excess liability coverage that follows you to school
  • $3,000 coverage for personal property, including laptops, used for work
  • Deductibles waived for vandalism or damage to your vehicle parked where you work
  • Flexible payment options including EZ Pay and summer or holiday skip

California Casualty appreciates the long days and hard work that educators put in to help students succeed. We’re giving thanks with the opportunity for CTA members to win a Dodge Journey. We invite you to share where you are in your life journey and enter to win at www.winajourney.com.

Also, your school can win an important upgrade with California Casualty’s School Lounge Makeover®. Enter to make your lounge a more soothing, inviting space at www.schoolloungemakeover.com.

A trusted CTA partner since 1951, California Casualty advisors are ready to give you a thorough insurance review and explain the benefits you qualify for as a CTA member at 800.800.9410 or visit www.calcas.com/CTA. Learn more about your valuable member benefits at CTAMemberBenefits.org/CalCas.

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Register for the Member Benefits Strand at Summer Institute Soon. Awards are Still Available!!!

There are many ways to build strong associations. An organizing tool you can employ is sharing the value of Member Benefits. Chapter leaders and site representatives are invited to join Member Benefits experts to learn how to engage members with Member Benefits.

The MB SI awards are reserved for chapters with membership engagement plans. A limit of two awards will be provided per chapter and priority will be given to those leaders who have not attended a prior Member Benefits SI strand. These awards include registration fees (shared accommodation housing and UCLA dining meals) and reimbursement for travel expenses (restrictions apply). To obtain one of the limited number of awards, contact the Member Benefits Department at lhamrick@cta.org or 650-552-5441 while supplies last. See our flier here.

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Disneyland Discounts Offered on our Access Discount Program Again

After a brief hiatus, Access® and Disneyland® Resorts are again teaming up to bring you a compelling new discount to the “Happiest Place on Earth.”

The return of this high-demand discount offer has been greatly anticipated, as Disneyland has consistently ranked among Access’ all-time most popular merchant partners.

Over the past year they’ve been working with Disney behind the scenes to create a seamless and simple solution for our members. With a newly engineered interface, users have an intuitive tool to easily browse and purchase tickets from their Access-powered discount program.

They’ve also made redeeming the offer as simple as completing your order online and showing your mobile phone at the gate. Or, for those wanting the security of a paper ticket, you can also print tickets at home and show them at the gate.

Because of Access’ ongoing relationship with the folks at Disneyland, they’ve landed one of the most exclusive discounts they offer – anywhere. CTA members will save up to $26 per ticket, depending on how long you want to stay and play.

Learn more about the Access program at www.CTAMemberBenefits.org/Access.

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11 California Schools Score Athletics Grants from California Casualty

Eleven California schools will share $10,730 from the 2018 California Casualty Thomas R. Brown Athletics Grant program. They are among 79 public middle schools and high schools in 32 states awarded a total of $83,000 to aid sports programs affected by tight budgets.

The grant will help student athletes across the Golden State with new uniforms, safety equipment and other necessities for their teams. Some examples include:

  • New uniforms and equipment for the football, basketball and softball teams at New Dawn High School (San Diego)
  • Balls, racquets and other equipment for the Stagg High School (Stockton) coed tennis team
  • Jerseys, basketballs and shoes for the Coalinga High School girls basketball team
  • Uniforms and cleats for the Tierra Buena Elementary School (Yuba City) flag football team.
  • Balls and new uniforms (replacing 10-year old jerseys) for the Ray Wiltsey Middle School (Ontario) soccer team

A complete list of the California 2017/2018 Thomas R. Brown recipients follows:

Coalinga High School
Hillcrest High School (Riverside)
Matt Garcia Career and College Academy (Fairfield)
New Dawn High School (San Diego)
Piedmont Hills High School (San Jose)
Pittsburg High School
Ray Wiltsey Middle School (Ontario)
Stagg High School (Stockton)
Tierra Buena Elementary School (Yuba City)
William Mullholland Middle School (Van Nuys)
Yermo High School

The grant is named for California Casualty Chairman Emeritus Tom Brown, an avid sportsman who believes that teamwork, confidence and sportsmanship help develop high achievers in academics and in life.

Since its inception in 2011, more than $660,000 has been awarded to some 600 schools across the nation. California schools have received a total of $120,000.

“All students should have the opportunity to compete,” said Lisa Almeida, Assistant Vice President. “California Casualty’s 67 year commitment to educators and schools also reaches to athletic fields.”

Public middle and high schools in California with an unmet need for a sports program can try for next year; applications for the 2018/2019 California Casualty Thomas R. Brown Athletics Grants are now being taken at www.calcasathleticsgrant.com. The deadline for consideration is January 15, 2019.

California Casualty has other initiatives that give back to educators for all their hard work including the “Wherever Your Journey Takes you…We’ll be there” sweepstakes for a chance rel="noopener noreferrer" to win a Dodge Journey, www.winajourney.com; rel="noopener noreferrer" $7,500 School Lounge Makeover®, www.schoolloungemakeover.com; and $200 Help Your Classroom grants, www.calcas.com/help-your-classroom.

Founded in 1914, California Casualty has partnered with the CTA to provide members auto and home insurance tailored to their professional needs since 1951. Headquartered in San Mateo, California, with Service Centers in Arizona, Colorado and Kansas, California Casualty has been led by four generations of the Brown family. To learn more, or to request an auto insurance quote, please visit www.CTAMemberBenefits.org/calcas or call 1.800.800.9410.

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Protect your paycheck with CTA-Endorsed Disability Insurance

Did you know the risk of disability is real? More than 25% of today’s 20-year olds will become disabled during their career¹. If you’re unable to work and receive your paycheck due to injury, illness, pregnancy or childbirth, Disability Insurance can help. Disability insurance pays a benefit directly to you that you can use for the things that health insurance doesn’t cover such as rent/mortgage, groceries, utilities, student loans, or even child care.

Participating in a group Disability Insurance plan is often one of the most cost-effective ways to protect your paycheck. As a CTA member, you may be eligible for the CTA Voluntary Disability Insurance plan offered by Standard Insurance Company (The Standard). You can learn more about the CTA plan by visiting CTAMemberBenefits.org/disability.

For pricing and further details of coverage such as any exclusions, limitations, reductions and benefit waiting periods, as well as the terms under which the policy may be continued in force, contact The Standard’s dedicated CTA Customer Service Department at 800.522.0406, Monday through Friday from 7 a.m. to 6 p.m.

GP 190-LTD/S399/CTA.1

1 U.S. Social Security Administration, Facts. https://www.ssa.gov/disabilityfacts/facts.html. Accessed June 2, 2017.  

[Note to Chapter Newsletter Editors: If you choose to use the above article 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.]

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Now is the time to switch to the only CTA-endorsed carrier for Disability and Life Insurance

If you currently have Disability and/or Life Insurance through another carrier, switch to CTA-endorsed coverage from Standard Insurance Company (The Standard) from April 1 through May 31, 2018 with no health questions asked. The Standard is the only carrier endorsed by CTA for Disability and Life Insurance plans.

The Standard’s Disability Insurance Highlights

  • Up to an Extra $500 or More: Starting on the 8th day of missed work, The Standard will begin paying $25 per work day during sick leave, which can add up to $500 or more per month!
  • 2 Years @ up to 75% of your Salary: Once your fully paid sick leave ends, you’ll be eligible for up to 75% of your regular daily contract salary, less any deductible income, for up to two benefit years. During Substitute Differential or Similar Pay following sick leave, your minimum benefit will be up to 25% of your regular daily salary, or $30/day, whichever is greater (so long as your total income doesn’t exceed 100% of your regular daily pay).
  • On or Off the Job, You’re Covered: With The Standard, you’re covered for accidents and injuries that occur on or off the job.

The Standard’s Life Insurance Highlights

  • Customize Your Choice: CTA and The Standard worked together to offer coverage options ranging from $25,000 to $400,000,1 so you can choose the level that’s right for you and your needs.
  • Matching AD&D Coverage is automatically included with your CTA-endorsed Life Insurance at no additional cost.
  • Additional Valuable Features: Use our Life Services Toolkit2 to start getting help creating a will, recover from identify theft, or find grief counselling, legal advice and other support services. Our Travel Assistance3 program provides access to a comprehensive range of professional 24-hour medical and legal referral, plus trip preparation when traveling out of state or out of the country.

Make the Switch Today
To learn more or take advantage of the limited-time offer, call our dedicated CTA Customer Service Department at 800-522-0406 (TTY), Monday through Friday, 7:00 a.m. to 6:00 p.m.

  • 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.
  • The Life Services Toolkit is provided through an arrangement with Morneau Shepell and is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. This service is not an insurance product.
  • Travel Assistance is provided through an arrangement with UnitedHealthcare Global, which is not affiliated with The Standard, and is subject to terms and conditions, including exclusions and limitations, of the Emergency Travel Assistance Program Employee Description. UnitedHealthcare Global is solely responsible for providing and administering the included service. Travel Assistance is not an insurance product. UnitedHealthcare Global is the marketing name for FrontierMEDEX, Inc. This service is only available while insured under The Standard's group policy.

For costs and further details of the coverage, including exclusions, benefit waiting periods and 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). GP-190-LTD/S39-CTA.1 GP190-LIFE/S399-CTA.3

[Note to Chapter Newsletter Editors: If you choose to use the above article 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.]

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Home Inventory: Make it Now!

The past year’s destructive fires proved once again how unpredictable disasters can be. In a moment everything you’ve worked for can be lost.

Imagine trying to recall from memory all of your possessions: how much silverware, china, pans, cups, tools, pieces of jewelry or sports equipment you had. It can be very difficult and your insurance company will want some proof that you actually owned them.

That’s why a home inventory is so rel="noopener noreferrer" rel="noopener noreferrer" important. The National Association of Insurance Commissioners (NAIC) found 56 percent of us still haven’t made a record of everything we own. This can lead to real problems if we should ever be burglarized or impacted by a fire or other disaster. Lack of proper documentation could delay a claim. In fact, homeowners and renters insurance claims are processed 50-to-100 percent faster when customers have done an inventory. The Insurance Information Institute (III) rel="noopener noreferrer" says those who have a complete home inventory also have a better idea of the appropriate amount of insurance they need and can verify losses for income tax purposes.

Creating an inventory is easier than you might think. The Insurance Information Institute recommends using your cell phone or other camera and going room by room taking pictures or video. So, what should you include?

  • Electronics
  • Personal care items
  • Jewelry
  • Art
  • Kitchen items and appliances
  • Furniture
  • Carpeting
  • Beds and linens
  • Clothing and shoes
  • Sports equipment
  • Yard and garden tools

Remember to take pictures of the exterior of your home from all sides (including landscaping, decks or porches), and all the stuff in the garage, attic or basement (holiday ornaments, lawn and yard equipment, tools).

The Insurance Information Institute rel="noopener noreferrer" has a comprehensive rel="noopener noreferrer" checklist and guide at http://www.iii.org/brochures/home-inventory.html. Another rel="noopener noreferrer" rel="noopener noreferrer" great resource for creating a home inventory can be found at the California Casualty Resource Page, http://www.calcas.com/web/ccmc/resources.

While it may seem overwhelming to take stock of all you own, having a plan, being methodical and using the online guides will make what seems an impossible task possible. Try organizing your items by rooms, by type or by hobby.

Once you have your inventory, don’t forget to update it. More than half of those who have completed the task say they have never added new items that they’ve purchased. You should update the list:

  • Anytime you move
  • After a remodel and upgrade
  • Following holidays when major purchases are usually made
  • After expensive purchases like HD TVs, new sound systems, etc.
  • Following life events like a marriage or inheritance

Make copies of your list and store it in a safe deposit box, in the Cloud or with a close friend or family member.

Now that you are you prepared, it’s also a good time to get your home insurance up-to-date. Call a California Casualty advisor today for a free policy review and comparison, 1.800.800.9410, or visit www.CTAMemberBenefits.org/calcas. You might find you qualify for big discounts on your auto and home insurance.

And, educators can win a new SUV from California Casualty. Find out how the CTA Auto and rel="noopener noreferrer" Home/Renters Insurance Program rel="noopener noreferrer" can help you in any rel="noopener noreferrer" rel="noopener noreferrer" stage of your personal and rel="noopener noreferrer" professional journey at www.winajourney.com, and become eligible for the drawing for a new Dodge Journey. Life is a journey and California Casualty is along for the ride.

Sources for this article:
http://www.iii.org/article/brochure-home-inventory
http://www.insureuonline.org/insureu_type_home.htm

Founded in 1914, California Casualty has partnered with the CTA to provide members auto and home insurance tailored to their professional needs since 1951. Headquartered in San Mateo, California, with Service Centers in Arizona, Colorado and Kansas, California Casualty has been led by four generations of the Brown family. To learn more, or to request an auto insurance quote, please visit www.CTAMemberBenefits.org/calcas, or call 1.800.800.9410.

*Chrysler Dodge is not a participating partner in or sponsor of this contest.

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