Voluntary Insurance Benefits
CTA District-Paid Life & Disability Insurance - The Standard Insurance Company
CTA offers employer-paid Disability and Life Insurance that can cover all of your district’s employees. Offered through Standard Insurance Company, these plans contain a range of features and benefits and can be customized to meet your districts’ needs.
Protect the ones you love by making sure they will have the resources they need to carry on should the unexpected occur.
Why You Need It
It's not pleasant to think about, but your death could potentially leave your family unable to meet existing and unplanned financial obligations. In addition to paying the every day bills, there may be unexpected expenses such as end of life medical care. A Life Insurance benefit can be used to:
Replace a lost income
Pay for a child’s education
Eliminate household debt
Address funeral and medical expenses
How You Get It
You can apply for up to $400,000 of coverage at any time by providing satisfactory proof of good health.
In some circumstances you may be eligible to apply for coverage with no health questions asked. These opportunities include:
Newly Hired Members During your first 180 days of new employment you have a unique opportunity to enroll in up to $200,000 of Life Insurance.
Members Who Change Districts During your first 120 days of transferring your employment to a new district you have the opportunity to continue your coverage at its current level or you can apply for up to $200,000 of Life Insurance under the new hire opportunity described above.
Family Status Change 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, you may add or increase your coverage to up to $200,000.
Voluntary disability insurance provides a benefit when you cannot work because of a covered illness, injury, or pregnancy.
Why You Need It
Not all school districts provide Disability Insurance to their employees, and CTA members aren't always eligible for California's state disability insurance plan. 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 plans were specially designed to cover the gaps in coverage that many educators and education support professionals face. And because the plans are offered by CTA, you can trust they provide benefits designed with you in mind.
Coverage for disabilities occurring on or off the job
Access to the CTA Advisory Panel on Endorsed Services
Includes Accidental Death and Dismemberment coverage
Convenient payroll deductions for premiums
How You Get It
You can apply for coverage at any time by providing satisfactory proof of good health.
The Standard Insurance Website
File a Claim
Standard Disability Insurance Form
Standard’s dedicated CTA Customer Service Department 800.522.0406
7:00 a.m. to 6:00 p.m. Pacific Time, Monday through Friday
NEA Long-Term Care Program
Long-term care is the help or supervision provided for someone with severe cognitive impairment or the inability to perform the activities of daily living: bathing, dressing, eating, toileting, transferring, and continence. Services may be provided at home or in a facility—and care may be provided by a professional or informal caregiver, such as a friend or family member.
You can help protect your independence and preserve your savings by getting NEA Long-Term Care coverage.
Free long-term care needs assessment
Discounted group pricing
Available to members, their spouses, parents and children
Covers staying in your own home or a nursing home
Contact an NEA Long-Term Care Advisor 1-855-529-1654
CTA Auto and Home Insurance Program
Your life is about service. At California Casualty, they understand the auto, motorcycle, home and renter’s insurance needs of people in the public service professions.
Unique benefits for educators:
$500 for personal property stolen from your vehicle (auto policy)
Waived deductible for vehicle vandalism/collision while you’re parked at school (auto policy)
$500 coverage for fundraising money (homeowner/renter policy)
$3,000 coverage for personal property used for teaching (homeowner/renter policy)