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The Standard®

Disability Insurance

Disability Insurance pays a benefit when you cannot work because of covered illness, injury or pregnancy.

Benefits can help with the everyday bills, such as the mortgage or rent, that continue even when you can’t work — expenses that health insurance won't cover.

Why You Need It

Fast Fact

In the 2012-2013 school year nearly 4,400 CTA members filed a disability insurance claim.1

Not all school districts provide disability insurance to their employees, and teachers 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 this plan was created by CTA, you can trust that it offers member advocacy protections that other plans can't match.

How You Get It

You can apply for coverage at any time by providing satisfactory proof of good health.

In some circumstances, you may be eligible for special enrollment opportunities. These opportunities include:

  • Newly Hired Members

    Newly hired educators and education support professionals who apply for coverage within 180 days of their date of hire.

  • Members Who Change Districts
    Members who changed school districts and apply within 120 days of their date of hire have the opportunity to continue their existing coverage or they can apply for Disability Insurance under the new employment opportunity described above.

  • Family Change
    Members who apply for coverage within 31 days following the date of a family status change, such as birth, adoption, marriage, divorce, loss of spousal employment, or other qualifying event.

In addition, there may be other opportunities for you to add coverage, including special chapter enrollment campaigns.

1 Based on figures developed by Standard Insurance Company as of September 1, 2012 – August 31, 2013.

The information described here is subject to all terms and provisions of the Group Policy.

Disability Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LTD/S399/CTA.1.

 

Educator Benefits

Educators who enroll in the CTA-endorsed Disability Insurance plan are covered for disabilities occurring on or off the job. For members who suffered a covered illness, injury or pregnancy, plan benefits may include:

Income Replacement

  • $25 per each regular day of required attendance during fully paid sick leave or restored sick leave, subject to any benefit waiting period
  • Up to 75% of your regular daily contract salary and extra duty pay for the first and second benefit years
    • May be reduced by deductible income
  • Pays $35 per calendar day while you are confined to a hospital as a result of your disability, with no benefit waiting period. This is paid in addition to any disability benefits that may be payable.
    • Note: The definition of hospital does not include nursing homes, convalescent homes or extended care facilities.
  • After the second benefit year, educators with less than 5 years of service with CalPERS/CalSTRS receive 50% of regular monthly contract salary, less deductible income, to at least age 65, as long as they are disabled and continue to meet all other policy provisions.
  • Coverage for partial disability

Expenses Assistance

  • A monthly benefit to help you pay the education costs of your eligible dependents while you are disabled and disability benefits are payable to you
  • Up to $1,000 per year for child-care expenses incurred within 36 months of a covered accidental death

Return to Work Incentives

  • Rehabilitation plan incentives, subject to prior approval, that may include benefits to help cover:
    • Training and education expenses
    • Family (child and elder) care expenses
    • Job-related and job-search expenses
  • Up to $25,000 to cover your employer's expenses for work-site ergonomics/modifications that would allow you to return to work following a disability, subject to prior approval

Additional Benefits

  • Ability to appeal denial of coverage and/or claims to CTA Advisory Panel on Endorsed Services
  • No premiums required during disability
  • $10,000 Accidental Death and Dismemberment coverage1
  • Your beneficiary may receive up to three times your unreduced disability benefit if you die while receiving disability benefits under the plan

If you'd like more information about Disability Insurance for educators, the sample Certificate and Summary Plan Description has full details of all benefits.

Education Support Professional Benefits

As an education support professional member of CTA, you are covered for disabilities occurring on or off the job and you may receive some or all of the following benefits.

Income Replacement

  • Up to 66 2/3% of your regular daily contract salary, subject to any benefit waiting period
    • Benefits are only payable for one benefit year and may be reduced by deductible income
  • Coverage for partial disability

Expenses Assistance

  • A monthly benefit to help you pay the education costs of your dependents during a time of disability
  • Up to $1,000 per year for child-care expenses incurred within 36 months of a covered accidental death

Return to Work Incentives

  • Rehabilitation plan incentives, subject to prior approval, that may include benefits to help cover:
    • Training and education expenses
    • Family (child and elder) care expenses
    • Job-related and job-search expenses
  • Up to $25,000 to cover your employer's expenses for work-site ergonomics/modifications that would allow you to return to work following a disability, subject to prior approval

Additional Benefits

  • Ability to appeal denial of coverage and/or claims to CTA Advisory Panel on Endorsed Services
  • No premiums required during disability
  • $10,000 Accidental Death and Dismemberment coverage1
  • Your beneficiary may receive up to three times your unreduced disability benefit if you die while receiving disability benefits under the plan

If you'd like more information about Disability Insurance for education support professionals, the sample Certificate and Summary Plan Description has full details of all benefits.

1 The limitations on the AD&D provided with Disability Insurance are the same
as the limitations on the AD&D provided with Life Insurance.

The information described here is subject to all terms and provisions of the Group Policy.

Disability Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LTD/S399/CTA.1.

 


Premium for Educators

Annual Contract
Salary Ranges
Monthly
Premium
1
Eleventhly
Premium
1
Tenthly
Premium
1
$0 – $44,499 $19.14 $20.88 $22.97
$44,500 – $53,249 $23.02 $25.11 $27.63
$53,250 – $60,249 $27.20 $29.67 $32.65
$60,250 – $67,249 $30.75 $33.55 $36.89
$67,250 – $76,249 $34.19 $37.30 $41.03
$76,250 – $85,249 $38.36 $41.85 $46.03
$85,250 – $94,249 $42.63 $46.51 $51.16
$94,250 – $103,249 $46.91 $51.17 $56.29
$103,250 – $112,249 $51.18 $55.83 $61.42
$112,250 – $121,249 $55.46 $60.50 $66.55
$121,250 and over $59.73 $65.16 $71.68

Premium for Education Support Professionals

Annual Contract
Salary Ranges
Monthly
Premium
1
Tenthly
Premium
1
$0 – $8,249 $5.94 $7.13
$8,250 – $11,249 $7.24 $8.69
$11,250 – $14,249 $9.47 $11.36
$14,250 – $17,249 $11.68 $14.02
$17,250 – $20,749 $14.10 $16.92
$20,750 – $24,999 $16.97 $20.36
$25,000 – $30,249 $20.50 $24.60
$30,250 – $36,749 $24.87 $29.84
$36,750 – $44,499 $30.15 $36.18
$44,500 – $53,249 $35.59 $42.71
$53,250 and over $42.87 $51.44

 

1 Frequency of required premium of payments (monthly, etc.) is determined by the district you are employed by. While monthly, eleventhly and tenthly are common deduction frequencies, your district may deduct premiums on an alternative frequency.

The information described here is subject to all terms and provisions of the Group Policy.

Disability Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LTD/S399/CTA.1.

 

Important Provisions Regarding Limitations, Exclusions and Termination of Insurance

Changes in Premium and Termination of the Group Policies

The Standard’s Disability Insurance for educators and education support professionals is provided under two separate policies. The group policies may be terminated by The Standard or CTA according to its terms. CTA may terminate a group policy, in whole, and may terminate insurance for any class or any group of participants at any time by giving The Standard written notice. The Standard may change premiums in accordance with the terms of the group policies.

Disability Insurance Eligibility

Educator

You must be an active employee who:

  1. has an annual contract with an employer, or the equivalent, as agreed to by The Standard and California Teachers Association (CTA);
  2. is a member in good standing of CTA;
  3. is a citizen or resident of the United States or Canada; and
  4. is scheduled to work an average of at least 15 hours a week over a four-week period, or during your period of employment if less than four weeks.

Education Support Professional

You must be an active classified employee who:

  1. is regularly working for an employer(s) at least 20 hours per week for at least 180 days per year under terms of your employment with the employer(s);
  2. is a CTA education support professional (CTA ESP) in good standing of California Teachers Association (CTA); and
  3. is a citizen or resident of the United States or Canada.

Disability Insurance Active Work Requirement

All coverage is subject to an active work requirement. If you are incapable of active work because of physical disease, injury, pregnancy or mental disorder on the scheduled effective date of your insurance or an increase in your insurance, your insurance or increase will not become effective until you complete ten full days of active work as an eligible participant.

Disability Insurance Evidence of Insurability

You are required to submit evidence of insurability (proof of good health, which may include a medical examination and/or a blood test) if you apply more than 120 days after you become an employee of an employer, or if you fail to make the required premium contribution by the third month following the date you apply for insurance; if you have been eligible for insurance under the policyholder's group disability plan for more than 120 days but are not insured under the plan; or for certain reinstatements.

Definition of Disability

Educator

During the benefit waiting period and the usual occupation period you are disabled if you are unable, as a result of sickness or injury, to perform with reasonable continuity the substantial and material acts necessary to pursue your usual occupation and are not working in your usual occupation. You are also disabled if you are working in your usual occupation but, as a result of sickness or injury, are unable to earn 80% or more of your indexed regular daily contract salary. Usual occupation period is the period for which you are eligible to receive fully paid sick leave and following two benefit years.

(For class 2 participants only)
During the any occupation period you are disabled if, as a result of sickness or injury, you are unable to engage with reasonable continuity in any occupation. You are also disabled if you are working in an occupation but, as a result of sickness or injury, you are unable to engage in that occupation or any occupation with reasonable continuity. Any occupation period occurs from the end of the usual occupation period to the end of the maximum benefit period.

Education Support Professional

For the benefit waiting period and during the usual occupation period (one benefit year) you are disabled if you are unable, as a result of sickness or injury, to perform with reasonable continuity the substantial and material duties of your usual occupation. You are also disabled if you are working in your usual occupation, but are unable as a result of sickness or injury to earn 80% or more of your indexed regular daily contract salary.

Disability Insurance Exclusions And Limitations

Benefits are not payable for any disability:

  • While you are not insured.
  • Caused or substantially contributed to by a preexisting condition unless you have been continuously insured and actively at work for 10 regular days of required attendance (for education support professionals, 10 consecutive required days of attendance) on the date you became disabled.
    • Preexisting condition means a diagnosed mental or physical condition for which you have received medical treatment, care or services or have taken prescribed medication at any time during the 30- calendar-day period just before your insurance becomes effective.
  • Due to intentionally self-inflicted injuries, committing or attempting to commit an assault or a felony, war or any act of war, declared or undeclared.
  • Unless under the care of a Physician appropriate to the
    condition(s) causing disability.
    • Physician means a licensed medical professional, diagnosing and treating individuals within the scope of the license. The term includes a legally licensed physician, dentist, optometrist, podiatrist, psychologist or chiropractor. Physician does not include you or your spouse or domestic partner, or the brother, sister, parent or child of either you or your spouse or domestic partner.
  • Benefits are limited for any disability due to mental disorder or substance abuse.
    • Mental disorder means those psychiatric or psychological conditions, regardless of cause, that are classified in the diagnostic and statistical manual of mental health disorders (DSM), published by the American Psychiatric Association, most current at the start of disability. If the DSM is discontinued or repealed, mental disorders will be those classified in the diagnostic manual then used by the American Psychiatric Association as of the start of disability.
    • The mental disorder limitation will not apply to a disability caused or substantially contributed to by dementia if the dementia is the result of
      1. stroke,
      2. physical trauma,
      3. Alzheimer's disease, or
      4. other medical conditions not listed that are not usually treated by a mental health or other qualified provider using psychotherapy, behavioral therapy, psychotropic drugs or similar methods of treatment.
    • Substance abuse means your being intoxicated or under the influence of any narcotic unless administered on the advice of a Physician.

Ongoing disability benefits for class 2 employees only.

After fully paid sick leave and the following two benefit years, no benefits are payable for any disability resulting from mental disorder or substance abuse unless you are confined in a hospital or participating in a rehabilitation program approved by The Standard.

When Disability Benefits End

Your disability benefits and extra duty pay benefits end automatically on the earliest of the date you are no longer disabled, the date your maximum benefit period ends, the date you die, the date benefits become payable under any other group long term disability insurance policy under which you become insured during a period of temporary recovery, or the date you fail to provide proof of continued disability and entitlement to benefits.

When Disability Insurance Terminates

Disability coverage, including AD&D, will cease on the earliest of:

  1. The date the last period ends for which a premium was paid for your insurance.
  2. The date the Group Policy terminates.
  3. The date your employment terminates. However, insurance will continue for up to 90 days following the date employment terminates, provided insurance premiums continue to be paid and termination of your employment occurs due to any of the following, as determined by the Employer:
    • Budgetary constraints
    • Decline in student attendance
    • Reduction or discontinuance of a service
    • Curriculum modification
  4. The first day of the calendar month following the date you cease to be a Participant, unless:
    • You cease to be a Participant because you are not working the required minimum number of hours. In this case, unless it ends under 1 through 3 above, your insurance will be continued during the following periods:
      • During the Benefit Waiting Period.
      • During a leave of absence if continuation of your insurance under the Group Policy is required by federal or a state-mandated family or medical leave act or law.
      • During the first 90 days of a temporary layoff.
      • Through the last day of the calendar month in which you are absent from Active Work due to a labor dispute.
      • Through the last day of the first calendar month for which you are absent from Active Work due to a leave of absence.
      • During a Scheduled Vacation Period; or
    • You cease to be a Participant because you are not a California Teachers Association member in good standing. In this case, unless it ends under 1 through 3 above, your insurance will continue through the first day of the calendar month following the date of the termination letter.

For costs and further details of the coverage, including the terms under which the policy may be continued in force, please view the sample Certificate and Summary Plan Description for educators and the sample Certificate and Summary Plan Description for education support professionals or contact The Standard.

The information described here is subject to all terms and provisions of the Group Policy.

Disability Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LTD/S399/CTA.1.

 

Easy and Fast

There are three different ways that you can apply for coverage.

  1. Apply online.
  2. Download the enrollment form and mail it in or fax it to us at 888.414.0393.
  3. Call our dedicated CTA Customer Service Department at 800.522.0406 (TTY), Monday through Friday, 7:00 a.m. to 6:00 p.m. Pacific Time, to have the enrollment form mailed to you.

The information described here is subject to all terms and provisions of the Group Policy.

Disability Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LTD/S399/CTA.1.

 


Key Benefits

Calculate Your Needs

When the unexpected occurs, it’s too late to prepare. Now is the time to make sure you’re ready.

Contact Us


Dedicated CTA
Customer Service Department

  • P: 800.522.0406 (TTY)
  • F: 888.414.0393

Available Monday – Friday
7:00 a.m. to 6:00 p.m.
Pacific Time

Standard Insurance Company
CTA Administration
PO Box 4744
Portland OR 97208-4744