Port Over Campaign

Limited Time Offer - October 1 - November 30, 2021

As a CTA member, you always have the opportunity to apply for CTA-endorsed Disability and Life Insurance - even if you are covered by a different insurance company. To make it easier for you, we are offering a special opportunity to switch coverage without answering health questions by November 30, 2021.    

Why Choose CTA-endorsed coverage?

More than 76,000¹ 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 at no extra cost to you, members enrolled in CTA-endorsed Disability insurance have access to the Student Loan Benefit² and Cancer Benefit². See the "Student Loan & Cancer Benefit" tab for details.

Three Easy Steps to Switch Your Coverage

Important: Please do not cancel your current insurance coverage until after you get asked to provide proof of coverage termination in step 3 below. This will allow you the peace of mind to continue insurance coverage and not have any gap in coverage.

Before you apply, be sure to compare your current plan with the CTA-endorsed plans, and understand how any differences may impact your personal situation. We've created an easy checklist you can download to help you compare Disability Insurance plans.

1. Apply for coverage with The Standard on this webpage.
2. Provide The Standard with proof of coverage with another carrier, such as a payroll stub showing deductions. For Life Insurance, you will also need to provide documentation of the amount of Life Insurance you have, such as a certificate of insurance. You may email these documents to ctaservice@standard.com.
3. After receiving communication from The Standard requesting proof of coverage termination, cancel your current coverage and provide The Standard with the proof of cancellation (must include the date of termination). Examples of proof of confirmation include a completed and signed termination form, or a completed and signed copy of the Payroll Stop Deduction Sheet that you can provide to your district. Email proof of cancellation to ctaservice@standard.com.

Your coverage with The Standard will become effective the day after your coverage with the other carrier is terminated. If you have provided a Payroll Stop Deduction Sheet as proof of termination, your coverage will become effective the day after the date listed on that form. 

Act Now Before Time Runs Out

Remember, you must apply by November 30, 2021 to take advantage of this special enrollment opportunity.

Note: If you are considering switching your disability insurance coverage from another carrier to the CTA-endorsed plan, be sure you understand any differences between the plans' terms, exclusions and benefits and how they could apply to your personal situation.

1 Based on figures developed by Standard Insurance Company as of April 2021.

2 Student Loan Benefit and Cancer Benefit are offered to eligible members on approved Disability claims under the CTA-endorsed Disability Insurance plans who meet specific criteria. under the Disability Insurance policy.

For costs and further details of the coverage offered by Standard Insurance Company, including the exclusions, any reductions, benefit waiting periods or limitations and terms under which the policy may be continued in force, please view the sample Disability Insurance Certificate and Summary Plan Description for educators.

GP 190-LTD/S399/CTA.1     GP 190-LIFE/S399/CTA.3

Protect Your Paycheck with Disability Insurance

Disability benefits can help with the everyday bills, like your mortgage and utilities that continue even when you can't work – expenses that health insurance won't cover.

Not all school districts provide disability insurance to their employees, and members aren’t always eligible for California’s state disability insurance program. 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 Insurance plan was specifically designed to help fill the gaps in coverage that many educators face. And because this plan is offered by CTA, you can trust that it provides member advocacy protections that other plans can’t match.

CTA-endorsed Disability Insurance Highlights:

• It replaces up to 75% of your daily income¹ if you’re unable to work due to disability.
• Covers disabilities that occur on or off the job.
• Starts paying benefits after you are out of work for 7 consecutive workdays² — including a $25 per workday benefit on top of your fully-paid sick leave.

How does it work?

Let’s say you become disabled due to a work-related injury or illness and you earn a daily contract salary of $400. Here’s how your disability benefit would work: $400 times your disability benefit rate of 75% is an unreduced maximum benefit of $300 per workday. Subtract your workers’ compensation benefit of $70 per workday and your salary continuation benefit of $30 per workday to get a $200 disability benefit per workday.

That $200 per workday is yours to use as you see fit – just like your salary. Use it to pay bills, buy groceries or whatever else you and your family need.

Note: If you are considering switching your disability insurance coverage from another carrier to the CTA-endorsed plan, be sure you understand any differences between the plans' terms, exclusions and benefits and how they could apply to your personal situation.

1 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.

2 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.

For costs and further details of the coverage offered by Standard Insurance Company, including the exclusions, any reductions, benefit waiting periods or limitations and terms under which the policy may be continued in force, please view the sample Disability Insurance Certificate and Summary Plan Description for educators.

GP 190-LTD/S399/CTA.1     GP 190-LIFE/S399/CTA.3

Protect Your Loved Ones with Life Insurance

Life Insurance is a key part of any financial plan. CTA-endorsed Life Insurance from The Standard gives you assurance that your family will receive some financial assistance in the event of a death. But coverage under the CTA-endorsed Life policy does more than help protect your family from financial hardship after a loss. Insured participants have access to the Life Services Toolkit and Travel Assistance program, which offer additional services that can make a difference now and in the future.

CTA-endorsed Life Insurance Highlights:

• Matching Accidental Death and Dismemberment (AD&D) benefits (up to $200,000).
• Life Services Toolkit – Online tools and services can help insured members create a will, make advance funeral plans and put finances in order. After a loss, beneficiaries can consult experts by phone or in person, and obtain other helpful information online.¹
• Travel Assistance provides insured members and their families access to a comprehensive range of professional, 24-hour medical, legal and trip assistance information, as well as referral and coordination services. This worldwide assistance service is available to plan participants whenever they are traveling 100 miles or more from home or when traveling in a foreign country for trips up to
180 days.²

1 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. The Life Services Toolkit is not available to Life insurance beneficiaries who are minors or non-individual entities such as trusts, estates or charities.

2 Travel Assistance is not insurance. Services are provided through an arrangement with UnitedHealthcare Global, which is not affiliated with The Standard, and is subject to the terms, conditions, and limitations of the Travel Assistance Program Description. This service only is available while insured under The Standard’s group policy.

For costs and further details of the coverage offered by Standard Insurance Company, including the exclusions, any reductions, benefit waiting periods or limitations and terms under which the policy may be continued in force, please view the sample Life Insurance Certificate and Summary Plan Description.

GP 190-LTD/S399/CTA.1, GP 190-LIFE/S399/CTA.3

Student Loan Benefit¹ and Cancer Benefit¹ for Members Enrolled in
CTA-Endorsed Disability Insurance

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 worked with The Standard to offer a Student Loan Benefit and a Cancer Benefit for CTA members enrolled in CTA-endorsed Voluntary Disability insurance.

Student Loan Benefit¹
Active CTA members approved for a disability claim with an active student loan may be eligible for an additional benefit of up to $400 a month (for a maximum of $2,400, not to exceed the balance of the student loan).

Cancer Benefit¹
Active CTA members approved for a disability claim due to cancer may be eligible for an additional benefit of up to $200 a month (for a maximum of $1,000).

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.