CTA Introductory Disability Insurance for Brand New Educators and ESPs
CTA provides brand new1 educators and education support professionals with 9 months of CTA Introductory Disability insurance2 at no cost to you when you join CTA for the first time within 90 days of your first day of work. Learn More
Protection From A Partner You Can Trust
CTA members have unique insurance needs. That's why CTA Member Benefits has partnered with The Standard (Standard Insurance Company) and offers CTA-endorsed Voluntary Disability and Life insurance plans designed specifically for education professionals.
CTA-endorsed Disability Insurance
Disability insurance helps protect your paycheck if you’re unable to work due to injury, illness (including mental health disorders and substance abuse), pregnancy or childbirth. Benefits are paid directly to you and can be used for expenses health insurance doesn’t cover.
- Replaces up to 75% of your daily income3
- Starts paying benefits after you are out of work for 7 consecutive workdays4
- Covers any preexisting conditions once you are enrolled and work for 10 consecutive workdays
- Access to additional Student Loan and Cancer Benefits for eligible members on an approved Disability claim who meet specific criteria5
CTA-endorsed Life Insurance
Life insurance helps protect your loved ones if something happens to you.
- Includes matching Accidental Death & Dismemberment coverage (up to $200,000) at no additional cost
- Access to features you can use today with Life Services Toolkit6 and Travel Assistance7
- Coverage options for Spouse/Domestic Partner and Dependents
How to Apply
CTA members can apply any time with satisfactory proof of good health.
There are multiple ways to apply:
- Apply online (you must be logged in to your CTA Member Benefits account to access)
- Call The Standard at 800.522.0406, 7 a.m. – 6 p.m. Monday through Friday
- Schedule a virtual appointment with a Benefits Consultant from The Standard
Special Enrollment Opportunities
You may be eligible to apply for CTA-endorsed Voluntary Disability and Life insurance without answering health questions during these special enrollment opportunities:
- New Hire and District Transfer Enrollment
Members new to their district can apply for CTA-endorsed Voluntary Disability insurance and up to $200,000 of CTA-endorsed Voluntary Life insurance8 with no health questions asked within 270 days of starting work at the new district. If you had coverage with The Standard at your prior district, you must reapply at the new school district as the coverage doesn’t automatically transfer to the new employer. Learn More
- Family Status Change Enrollment
Members can apply for CTA-endorsed Disability insurance and up to $200,000 of CTA-endorsed Life insurance8 coverage within 60 days following the date of a family status change event, such as birth/adoption, marriage/domestic partnership, divorce/dissolution, loss of spousal employment, or other qualifying event. Learn More
- Chapter Special Enrollment
A special enrollment opportunity for eligible members of a local CTA chapter to apply without answering health questions – only available every 2-3 years. Talk with your chapter leader about your next special enrollment opportunity.
1 Brand New is defined as an educator or education support professional who has not previously worked in education in the state of California.
2 CTA Introductory Disability insurance available to eligible brand new educators and education support professionals who become CTA members for the first time within 90 days of their first day of work during the 2021-2022 school year. Disability insurance eligibility requirements apply.
3 Daily income is based on your regular daily contract salary. Benefits will be reduced by deductible income. Examples of deductible income include: personal leave pay, severance pay, substitute differential pay, catastrophic/extraordinary leave bank, salary continuation, workers’ compensation, work earnings, social security, state disability, CalPERS/CalSTRS benefits.
4 Workdays means any Regular Day(s) of Required Attendance you are required to be actively at work based on the calendar dates of the school calendar and your employment contract in effect on the date you become disabled.
5 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 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.
6 Life Services Toolkit is provided through an arrangement with a service partner that is not affiliated with The Standard. This service is not an insurance product.
7 Travel Assistance is provided through an arrangement with a service provider that is not affiliated with The Standard. Travel Assistance is not insurance.
8 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. Offer not available to retirees.
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 policies may be continued in force, please contact Standard Insurance Company at 800.522.0406.