Skip to main content link using access key S.

Life Insurance

Protect the ones you love by making sure they will have the resources they need to carry on should the unexpected occur.

Life Insurance is a key component of any comprehensive financial plan. By including Life Insurance as part of your plan, you help to protect the economic well being of your loved ones in the event of your passing.

Why You Need It

Fast Fact

The average cost for funeral expenses in 2012 was $7,045.1

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 one-time opportunity to enroll in up to $200,000 of life insurance.
  • Members Who Change Districts

    During your first 180 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 Change
    Within 60 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.

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

1 2013 National Funeral Directors Association Member General Price List Survey. http://nfda.org/news-a-events/all-press-releases/3719-nfda-releases-results-of-member-general-price-list-survey.html

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

Life Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LIFE/S399/CTA.3.

 

 

Life Insurance

  • Term Life Insurance for you, with coverage options ranging from $25,000 to $400,000
  • Your spouse/domestic partner or child can receive coverage on 50% of your coverage amount (up to $100,000).
  • When you enroll in Life Insurance, you automatically get Accidental Death and Dismemberment (AD&D) coverage in the amount of your Life Insurance up to $200,000 at no additional cost.
  • Optional $5,000 of Term Life and AD&D coverage for your dependents including spouse /domestic partner and eligible children
  • Benefits to help with illness or injury
    • Accelerated benefit provides advance payments of up to 80% of the amount of Life Insurance in force if you provide satisfactory proof to The Standard that, while insured, you have been diagnosed with a terminal illness with a life expectancy of less than 12 months. The amount paid under the accelerated benefit reduces the amount of Life Insurance paid upon your death.
    • Qualified disability benefit provides payment of up to 60% of the amount of Life Insurance in force if you provide satisfactory proof to The Standard that, while insured, you are unable to perform two or more activities of daily living. The amount paid under the qualified benefit reduces the amount of Life Insurance paid upon your death.
  • Additional Benefits
    • Life Services Toolkit — Additional services that can make a difference now and in the future. Online tools and services can help insured members create a will, make advance funeral plans and put finances in order. After a loss, beneficiaries can consult experts by phone or in person, and obtain other helpful information online.1
    • Travel Assistance provides insured members and their families access to a comprehensive range of professional, 24-hour medical, legal and trip assistance information, as well as referral and coordination services. This worldwide assistance service is available to plan participants whenever they are traveling 100 miles or more from home or when traveling in a foreign country for trips up to
 180 days.2
    • Payment of expenses for transporting remains more than 200 miles from home.
  • Continuation Options
    • You may continue your coverage during an approved leave of absence or total disability, subject to continued payment of premium.
    • Retiree Term Life insurance coverage available to CTA-NEA lifetime retired members upon retirement. Coverage election as an active participant predetermines the amount of coverage when you retire. Coverage will be reduced to one-fifth (1/5) of the amount in force on the day of your retirement.3

Accidental Death & Dismemberment Insurance

AD&D Insurance is designed to pay a benefit to you or your beneficiary if you have an accident that results in a covered loss.

  • Benefits of up to $200,000
  • Additional Benefits
    • Occupational assault benefit of up to $25,000 will be paid if you suffer a covered loss while actively at work and the loss is the result of an act of violence against you that is punishable by law and evidenced by a police report.
    • Higher education benefit will be paid annually to each child who within 12 months after the date of your loss of life is a registered, full-time student attending a licensed and accredited institution of higher education. Maximum benefit of 48 consecutive months.
    • Child care benefit covers the cost of providing care for children under age 13 within 36 months of loss of your life while a surviving spouse or domestic partner obtains additional career training. Benefits are up to $5,000 per year, or the cumulative total of $10,000 or 25% of the AD&D benefit, whichever is less.
    • Seat belt benefit pays an additional $10,000 (not to exceed the AD&D amount) benefit if your covered loss is the result of a covered automobile accident and you were wearing and properly utilizing a seat belt as demonstrated by the police report.
    • Air bag benefit provides an additional $5,000 benefit (not to exceed the AD&D amount) if you die as a result of an automobile accident, the seat belt benefit is payable and your air bag system meets the requirements as outlined in the certificate of insurance.
    • Career adjustment benefit will be paid annually to a spouse/domestic partner who within 48 months after the date of your loss of life is a registered student in attendance at a professional or trades training program for the purpose of obtaining employment or increasing earnings. Maximum benefit of 48 consecutive months.
    • Public transportation benefit provides a benefit in the lesser of $200,000 and 100% of the AD&D benefit in the event you die as a result of an accident while riding as a fare-paying passenger on public transportation or in a taxi.

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

1 The Life Services Toolkit is provided through an arrangement with Morneau Shepell and is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. This service is not an insurance product. The Life Services Toolkit is not available to Life insurance beneficiaries who are minors or to non-individual entities such as trusts, estates or charities.

2 Travel Assistance is not insurance. Services are provided through an arrangement with UnitedHealthcare Global, the marketing name for FrontierMEDEX, Inc. Consult the UnitedHealthcare Global Travel Assistance program description for complete terms, conditions and limitations. For a copy of the program description call The Standard’s dedicated CTA Customer Service Department at 800.522.0406. You can also visit members.uhcglobal.com/Standard/standard1.aspx for additional information.

3 Retiree's Dependent Life Insurance amount is based on the amount of Life Insurance in force as a retired member.

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

Life Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LIFE/S399/CTA.3.

 

 

Premiums in bold text are calculated as monthly amounts; premiums in normal text are calculated as eleventhly (second row) and tenthly (third row) amounts.*

Premiums

Age $25,000
$200,000
$50,000
$250,000
$75,000
$300,000
$100,000
$350,000
$150,000
$400,000
Under 25 $1.50
$1.64
$1.80
$3.00
$3.27
$3.60
$4.50
$4.91
$5.40
$6.00
$6.55
$7.20
$9.00
$9.82
$10.80
  $12.00
$13.09
$14.40
$14.00
$15.27
$16.80
$16.00
$17.45
$19.20
$18.00
$19.64
$21.60
$20.00
$21.82
$24.00
25 – 29 $1.75
$1.91
$2.10
$3.50
$3.82
$4.20
$5.25
$5.73
$6.30
$7.00
$7.64
$8.40
$10.50
$11.45
$12.60
  $14.00
$15.27
$16.80
$16.50
$18.00
$19.80
$19.00
$20.73
$22.80
$21.50
$23.45
$25.80
$24.00
$26.18
$28.80
30 – 34 $2.00
$2.18
$2.40
$4.00
$4.36
$4.80
$6.00
$6.55
$7.20
$8.00
$8.73
$9.60
$12.00
$13.09
$14.40
  $16.00
$17.45
$19.20
$19.00
$20.73
$22.80
$22.00
$24.00
$26.40
$25.00
$27.27
$30.00
$28.00
$30.55
$33.60
35 – 39 $2.50
$2.73
$3.00
$5.00
$5.45
$6.00
$7.50
$8.18
$9.00
$10.00
$10.91
$12.00
$15.00
$16.36
$18.00
  $20.00
$21.82
$24.00
$24.00
$26.18
$28.80
$28.00
$30.55
$33.60
$32.00
$34.91
$38.40
$36.00
$39.27
$43.20
40 – 44 $3.25
$3.55
$3.90
$6.50
$7.09
$7.80
$9.75
$10.64
$11.70
$13.00
$14.18
$15.60
$19.50
$21.27
$23.40
  $26.00
$28.36
$31.20
$31.50
$34.36
$37.80
$37.00
$40.36
$44.40
$42.50
$46.36
$51.00
$48.00
$52.36
$57.60
45 – 49 $4.50
$4.91
$5.40
$9.00
$9.82
$10.80
$13.50
$14.73
$16.20
$18.00
$19.64
$21.60
$27.00
$29.45
$32.40
  $36.00
$39.27
$43.20
$44.00
$48.00
$52.80
$52.00
$56.73
$62.40
$60.00
$65.45
$72.00
$68.00
$74.18
$81.60
50 – 54 $8.25
$9.00
$9.90
$16.50
$18.00
$19.80
$24.75
$27.00
$29.70
$33.00
$36.00
$39.60
$49.50
$54.00
$59.40
  $66.00
$72.00
$79.20
$81.50
$88.91
$97.80
$97.00
$105.82
$116.40
$112.50
$122.73
$135.00
$128.00
$139.64
$153.60
55 – 59 $10.25
$11.18
$12.30
$20.50
$22.36
$24.60
$30.75
$33.55
$36.90
$41.00
$44.73
$49.20
$61.50
$67.09
$73.80
  $82.00
$89.45
$98.40
$101.50
$110.73
$121.80
$121.00
$132.00
$145.20
$140.50
$153.27
$168.60
$160.00
$174.55
$192.00
60 – 64 $13.00
$14.18
$15.60
$26.00
$28.36
$31.20
$39.00
$42.55
$46.80
$52.00
$56.73
$62.40
$78.00
$85.09
$93.60
  $104.00
$113.45
$124.80
$129.00
$140.73
$154.80
$154.00
$168.00
$184.80
$179.00
$195.27
$214.80
$204.00
$222.55
$244.80
65 – 69 $25.50
$27.82
$30.60
$51.00
$55.64
$61.20
$76.50
$83.45
$91.80
$102.00
$111.27
$122.40
$153.00
$166.91
$183.60
  $204.00
$222.55
$244.80
$254.00
$277.09
$304.80
$304.00
$331.64
$364.80
$354.00
$386.18
$424.80
$404.00
$440.73
$484.80
70+1 $25.50
$27.82
$30.60
$51.00
$55.64
$61.20
$76.50
$83.45
$91.80
$102.00
$111.27
$122.40
$153.00
$166.91
$183.60
  $204.00
$222.55
$244.80
$254.00
$277.09
$304.80
$304.00
$331.64
$364.80
$354.00
$386.18
$424.80
$404.00
$440.73
$484.80

 

1 Coverage reduces to 65% of the amount in force at age 70, 45% of the amount in force at age 75 and 30% of the amount in force at age 80.

* Type of payment (monthly, etc.) is determined by your employer.

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

Life Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LIFE/S399/CTA.3.

 

Important Provisions Regarding Limitations, Exclusions and Termination of Insurance

Changes in Premium and Termination of the Group Policies

The Standard's group Life Insurance policy may be terminated by The Standard or CTA according to its terms. CTA may terminate the 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 policy.

Life Insurance Eligibility

You must be one of the following:

  1. an active employee of an employer and a member in good standing of California Teachers Association (CTA); or
  2. a retired employee who:
    • is a retired employee of an employer and a CTA-NEA retired lifetime member (CTA-R); and
    • was insured under the group policy or prior plan immediately prior to retirement; and
    • is eligible to receive benefits under the State Teachers Retirement System (CalSTRS) or Public Employees Retirement System (CalPERS) and authorizes premium deductions.

Life 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 one full day of active work as an eligible participant.

Life Insurance Evidence of Insurability

Evidence of Insurability (proof of good health, which may include a medical examination and/or a blood test) is required (there may be exceptions to this):

  • if you apply for Life Insurance more than 120 days after you become an employee of an employer or fail to make the required premium contribution by the third month following the date you apply for Life Insurance;
  • if you apply for dependents Life Insurance more than 31 days after you become eligible for dependents coverage under the policyholder’s group Life Insurance plan, or you fail to make required premium contribution by the third month following the date you apply;
  • to become insured for an amount of Life Insurance in excess of $200,000;
  • to become insured for an amount of dependents Life Insurance in excess of $17,500;
  • for any increase in Life Insurance or dependents Life Insurance; and
  • certain reinstatements.

Life Insurance Termination Provisions

Coverage for the participant will cease on the earliest of:

  1. The date the last period ends for which a premium was paid for your Life Insurance.
  2. The date the group policy terminates.
  3. The date your employment terminates, unless you are covered as a retired participant.
  4. The first day of the calendar month following the date of the termination letter if you cease to be a Participant because you are not a California Teachers Association member in good standing; and
  5. The first day of the calendar month following the date you cease to be actively at work. However, if you cease to be actively at work, your Life Insurance may be continued with advance written notice to us and provided premiums are paid during the following periods, unless it ends under 1 through 4 above:
    • 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. However, insurance may be continued during a labor dispute for up to six months, subject to the provisions in the group policy.
    • During a leave of absence if continuation of your insurance under the group policy is required by a state-mandated family or medical leave act or law.
    • During any other scheduled leave of absence approved by your employer in advance and in writing and lasting not more than 24 months.
    • During the period of your service on active duty in the National Guard or the Reserves of the armed forces of the United States within the limits of the United States.

Dependents Life Insurance Termination Provisions

Dependents Life Insurance ends automatically on the earliest of:

  1. Two years after you die (no premiums will be charged for your dependents Life Insurance during this time). However, coverage for your spouse or domestic partner will not be continued beyond the date your surviving spouse or domestic partner remarries or enters a domestic partner relationship.
  2. The date your Life Insurance ends (except as provided in 1 above).
  3. The date the group policy terminates, or the date dependents life insurance terminates under the group policy.
  4. The date the last period ends for which a premium was paid for your dependents Life Insurance (except as provided in 1 above).
  5. For your spouse or domestic partner, the date of your divorce or termination of your domestic partner relationship.
  6. For any dependent, the date the dependent ceases to be a dependent.
  7. For a child who is disabled, 90 days after we mail you a request for proof of disability, if proof is not given.

Accidental Death and Dismemberment Exclusions and Limitations

Benefits are not payable for losses caused or contributed to by physical disease or mental disorder or pregnancy, bacterial infections, medical or surgical treatment, war or any act of war, suicide or self-inflicted injury or the commission or attempt to commit an assault or felony. AD&D benefits are not payable for losses occurring more than 365 days after the accident. Losses must be caused solely by the accident.

Accidental Death and Dismemberment Termination Provisions

AD&D Insurance ends automatically for participants on the earliest of:

  1. The date your Life Insurance ends.
  2. The date the last period ends for which a premium was paid for your AD&D Insurance.
  3. The date AD&D Insurance terminates under the group policy.
  4. The date you retire.

Dependent AD&D Insurance ends automatically on the earliest of:

  1. The date your dependent Life Insurance ends.
  2. The date dependent AD&D Insurance terminates under the group policy.
  3. The date the last period ends for which a premium was paid for your dependent AD&D Insurance.
  4. For your spouse or domestic partner, the date of your divorce or termination of your domestic partner relationship.
  5. For any dependent, the date the dependent ceases to be a dependent.
  6. For a child who is disabled, 90 days after we mail you a request for proof of disability, if proof is not given.
  7. The date you retire.

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 or contact The Standard.

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

Life Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LIFE/S399/CTA.3.

 

 

 

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.

Life Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LIFE/S399/CTA.3.

 

Key Benefits

Calculate Your Needs

When the unexpected occurs, it’s too late to prepare. This 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