DEATH & DISMEMBERMENT

This is not a complete description of the Plan and the Plan governs eligibility and benefits. For a complete description of the program, please refer to the CTA Voluntary Disability Insurance Summary Plan Description.

The CTA Death & Dismemberment Plan is an automatic, no-cost benefit available to eligible CTA members. The Plan currently pays a one-time Death Benefit of up to $2,000, and a one-time Accidental Death and Accidental Dismemberment Benefit of up to $10,000. The benefit increases to a $50,000 payment should the death or dismemberment result from an accident or assault which occurs while you are actively engaged in your occupation or while you are acting in the capacity of an Association Leader.

Death Benefit
Upon the Death of a Participant, the benefit payable is an amount equal to the number of Years of Continuous Membership multiplied by $200 per year, up to a maximum benefit of $2,000.
Accidental Death Benefit
If the Death of a Participant is caused by an Accident or Assault and occurs within 90 days of the Accident or Assault, the benefit payable is an amount equal to the number of Years of Continuous Membership multiplied by $1,000 per year, up to a maximum benefit of $10,000. This benefit is in addition to the Death Benefit. This benefit will not be paid if the Accidental Dismemberment Benefit has been paid as a result of the same Accident or Assault.
Accidental Dismemberment Benefit
In the event the Dismemberment of a Participant is caused by an Accident or an Assault and occurs within 90 days of the Accident or Assault, the benefit payable is an amount equal to the number of Years of Continuous Membership multiplied by $1,000 per year, up to a maximum benefit of $10,000 per Occurrence. This benefit will not be paid if the Accidental Death Benefit has been paid as a result of the same Accident or Assault.
Occupation / Association Leader Accidental Death & Dismemberment Benefit
If a Participant's Death is caused by an Accident or Assault which occurs:
- While the Participant is engaged in any activity which is within the express or implied terms of the Participant's occupation
- While the Participant is acting in the capacity of an Association Leader, and Death occurs within 90 days of the Accident or Assault, in lieu of the Accidental Death Benefit
The benefit payable is $50,000. This benefit is in addition to the Death Benefit. This benefit will not be paid if the Occupation/Association Leader Dismemberment Benefit has been paid as a result of the same Accident or Assault.
Occupation/Association Leader Accidental Dismemberment Benefit
If a Participant's Dismemberment is caused by an Accident or an Assault which occurs:
- While the Participant is engaged in any activity which is within the express or implied terms of the Participant's occupation
- While the Participant is acting in the capacity of an Association Leader, and Dismemberment occurs within 90 days of the Accident or Assault, in lieu of the Accidental Dismemberment Benefit.
The benefit payable is $50,000 per Occurrence. This benefit will not be paid if the Accidental Death Benefit has been paid as a result of the same Accident or Assault.

This is not a complete description of the Plan. For a complete description, please refer to the booklet entitled "CTA Death & Dismemberment Summary Plan Description" a copy of which is provided to all eligible CTA members. You can also obtain a copy by contacting the CTA Risk Management/Member Benefits Department.

This benefit is provided by the CTA Economic Benefits Trust, which was established by the CTA Board of Directors to fund the program.