http://www.cta.org/Member-Services/Member-Benefits/DIAM.aspx

Income Protection from a Partner You Can Trust

With the coverage you may have from your employer, your spouse/domestic partner or other sources, it’s easy to assume you have all the insurance protection you need. Unfortunately, that’s not always the case. To help members fill in what could be a big gap in coverage, CTA offers Disability Insurance plans.

The CTA-endorsed Disability Insurance plans offered through Standard Insurance Company are designed to meet the specific needs of educators and education support professionals. The plans combine great features and benefits with a dedicated, responsive service team. That’s why more than 80,000* of your peers have chosen the plans to protect their income and way of life.

Benefits and Plan Highlights

For Educators

Subject to any benefit waiting period:

  • $25 per regular day of required attendance during fully paid sick leave or restored sick leave.
  • Up to 75% of regular daily contract salary and extra duty pay, reduced by deductible income**, for each regular day of required attendance on which you’re disabled during the first and second benefit years. Minimum benefit of $30 per regular day of required attendance.
  • $35 per calendar day while you are confined to a hospital as a bed registered patient as a result of your disability, with no benefit waiting period. This is paid in addition to any disability benefits that may be payable.
  • Covers disabilities occurring on or off the job.

For Education Support Professionals

  • Up to 66 2/3% of regular daily contract salary for the first year you are disabled, subject to any benefit waiting period and reduced by deductible income**.
  • Covers disabilities occurring on or off the job.
  • $10,000 accidental death and dismemberment (AD&D) coverage included with your disability insurance.

Take a moment to check your pay stub and benefits information to confirm that you have the income protection you need to safeguard your way of life. To learn more about the CTA-endorsed Disability Insurance plans, click here or call The Standard’s dedicated CTA customer service department at 800.522.0406. And through May 31st, 2011 you can transfer your coverage from another carrier to the CTA-endorsed plans by calling 800.522.0406.

*As of 3/31/11, based on figures developed by Standard Insurance Company

**Examples of deductible income for disability coverage (see your certificate of insurance for a full listing and exceptions): 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.

For costs and further details of the coverage, including exclusions, benefit waiting periods, any reductions or limitations and the terms, under which the policy may be continued in force, please sign in and review the CTA Group Life and Disability Insurance Plans Brochure or call The Standard’s dedicated CTA customer service department at 800.522.0406 (TTY), 7:00 a.m. to 6 p.m. PST.