CTA-endorsed Voluntary Group Disability Insurance Plan

Please rate this page.

Your income is likely your greatest asset. Protect it with CTA-endorsed Disability Insurance.

Did you know that 1 in 4 of today’s 20-year-olds will experience a disability for a period of time during their career?1 If you are unable to work due to illness, injury, pregnancy or childbirth, how would you cover everyday expenses like groceries, mortgage/rent, utilities or student loans? After all, your bills won’t stop coming, even if you are unable to work. That’s when Disability Insurance can help.

Disability Insurance pays a benefit directly to you if you are unable to work due an illness, injury, pregnancy or childbirth. Use it to cover expenses that medical insurance doesn’t cover – like groceries, rent/mortgage, utilities, car payment or other everyday bills.

Here is how CTA-endorsed Disability Plan works:

Benefit Waiting Period:
7 regular days of required attendance

No benefits paid during this period unless you are a registered, in-bed patient at a hospital,2 at which point you may receive a $35 per calendar day benefit (60 day maximum per disability). Members typically use Sick Leave during this time.

After 7 days:
While using sick leave

The Standard pays $25 per regular day of required attendance on top of fully paid sick leave.

During Substitute Differential or
Similar Pay following sick leave

You will receive up to 75% of your regular daily salary, minus the amount the district pays you and any other sources of deductible income3 you may have.
The minimum benefit during this period is up to 25% of your regular daily salary (so long as your total income doesn’t exceed 100% of your regular daily pay) or $30, whichever is greater.

After Substitute Differential or
Similar Pay Ends

You will receive up to 75% of your regular daily salary, less any sources of deductible income,3 while you continue to be disabled.
The minimum benefit during this period is $30/day.

After the Second Benefit Year

Participants with fewer than 5 years of service with CalSTRS or CalPERS may receive up to 50% of their regular monthly contract salary, reduced by deductible income.3
Minimum benefit of $500 per calendar month for which disability benefits are payable.

Other key features:

  • Covers disabilities that occur on or off the job.
  • Covers extra duty pay such as coaching and tutoring for the first two benefit years.
  • Pays $35 per day in addition to any other benefit payable when you are a registered, in-bed patient at a hospital (60 day maximum per disability) with no benefit waiting period.2
  • No premiums are required while disability benefits are payable.
  • Includes access to the CTA Advisory Panel on Endorsed Services.

Opportunities to Apply:

You can apply for coverage at any time. Generally, coverage requires proof of good health and is subject to approval by The Standard. However, there are special enrollment opportunities available, including if you:

  • Apply during the first 180 days of new employment or transferring employment to a new district.
  • Apply within 60 days of a family status change – this includes birth, adoption, marriage, domestic partnership, divorce or other qualifying events.

Visit www.CTAMemberBenefits.org/TheStandard to learn more and apply.

What about ESP Coverage?

Coverage for Education Support Professionals through the CTA-Endorsed Voluntary Group Disability Insurance Plan includes one benefit year at 66 2/3% of regular daily contract salary, reduced by deductible income.

CTA is here to help members in their time of need. To learn more about this valuable benefit, visit www.CTAMemberBenefits.org/TheStandard.  For costs and further details of the coverage, including exclusions, benefits waiting periods, any reductions or limitations and the terms under which the policy may be continued in force, please contact Standard Insurance Company's dedicated CTA Customer Service Department at 800.522.0406 (TTY) from 7 a.m. to 6 p.m. Pacific Standard Time.

  1. U.S. Social Security Administration, Facts. https://www.ssa.gov/disabilityfacts/facts.html. Accessed June 2, 2017.
  2. For the first two benefit years only. Note, the definition of hospital does not include nursing homes, convalescent homes or extended care facilities.
  3. Examples of Deductible Income (see your Certificate Of Insurance for a full listing and exceptions): Substitute Differential Pay, Personal Leave Pay, Severance Pay, Salary Continuation, Workers’ Compensation, Work Earnings, Social Security, State Disability, PERS/STRS Benefits.