California teachers do not pay into disability automatically each month.
Therefore, CTA offers disability insurance coverage to our members through The Standard Insurance
that can automatically be deducted from your paycheck each month..
Therefore, CTA offers disability insurance coverage to our members through The Standard Insurance
that can automatically be deducted from your paycheck each month..
Online Enrollment: http://www.ctamemberbenefits.org/thestandard
If you wish to contact them for a claim or to inquire:
1-800-522-0406
Plan Features and benefits include:
For Educators:
Additional Disability Plan Features for Educators:
Active CTA members can easily apply for coverage at ANY TIME with satisfactory proof of good health. In addition, there are a number of special enrollment opportunities when members can enroll without answering health questions.
These opportunities include:
For Educators:
- $25 per regular day of required attendance, subject to any benefit waiting period, during fully paid sick leave or restored sick leave.
- Up to 75% of regular daily contract salary if you become disabled, subject to any benefit waiting period and reduced by deductible income.
- Up to 75% of extra duty pay lost due to disability (such as summer school, coaching, and other forms of stipends or per diems) subject to any benefit waiting period and reduced by deductible income.
- Additional $35 per calendar day if you are hospitalized with no benefit waiting period (60 day maximum). This is paid in addition to any disability benefits that may be payable.
- Disability benefits up to 50% of regular monthly contract salary to at least age 65 for educators with less than 5 years credited service with CalSTRS, reduced by deductible income.
Additional Disability Plan Features for Educators:
- Covers disabilities occurring on or off the job
- $10,000 Accidental Death and Dismemberment coverage
- Survivorship benefit
- Rehabilitation plan incentive
- Access to The CTA Advisory Panel on Endorsed Services
- Partial disability benefits
- Reasonable accommodation expense benefit (up to $25,000)
- Family care and dependent education benefits
- Convenient payroll deductions.
Active CTA members can easily apply for coverage at ANY TIME with satisfactory proof of good health. In addition, there are a number of special enrollment opportunities when members can enroll without answering health questions.
These opportunities include:
- Newly hired CTA members have an opportunity to enroll in CTA-endorsed Disability and/or Life Insurance up to $200,000 during their first 120 days of new employment.
- Family status change provision allows members to enroll or increase their Life insurance up to $200,000 and their dependent Life insurance up to $17,500, or enroll in Disability Insurance. Members must apply within 31 days of the date of qualifying family status change. Examples include: marriage, domestic partnership, birth or adoption of a child, divorce and loss of spousal employment.
- Transfer enrollment periods when members who are enrolled in competing plans can switch their coverage to the CTA-endorsed Disability and/or Life insurance.
- Members with CTA Decreasing Term Life insurance can move to the CTA-endorsed Level Term Life insurance plan.
- Select chapters may participate in chapter campaigns throughout the school year.