CTA | Member Benefits

	Overview
	The CTA Voluntary Life Insurance Plan* offers members a flexible, level benefit plan that will help members purchase a new life insurance plan or supplement the coverage they may have. Premiums start as low as $1.50 a month. Coverage options range from $25,000 to $400,000. Spouse and dependent coverage options are available. Advanced payments are available for critical illness. Participants in the CTA Voluntary Life Insurance Program are automatically eligible for the CTA Health Information and Wellness Program at no additional cost. *Effective September 1, 1998, the voluntary life insurance plan changed from a decreasing term to a level term benefit design. Members who enrolled in the CTA Decreasing Term Life Insurance Plan prior to September 1, 1998 can transfer their coverage to the new CTA Level Term Life Insurance Plan during an open window each year. Watch for direct correspondence from UnumProvident or contact them at 1-800-282-4049. This is not a complete description of the Plan and the Plan governs eligibility and benefits. For a complete description of the program, please refer to the CTA Voluntary Life Insurance Summary Plan Description.


	Why Do I Need this Benefit?
	Have you considered the consequences for your family if they were to lose you tomorrow? Would they experience a major financial burden? Could they cope without your income? The CTA Voluntary Life Insurance Plan offers a wonderful opportunity to either supplement your existing life insurance or to start a new life insurance plan. The Life and Health Insurance Foundation for Education recommends owning life insurance equal to five to seven times your annual salary. Most school districts do not provide coverage up to this volume.

How to Obtain this Benefit

Life Insurance is available to all eligible CTA members.

Become a member of CTA by:

To enroll in the Voluntary Life Insurance Plan:

CTA members are encouraged to apply during Open Enrollment Periods. However, members can apply for coverage at any time.

During an Open Enrollment, if you meet the eligibility requirements of the plan, your application for up to $200,000 of member coverage will be automatically accepted, and you will not have to answer the health questions on the application.
If you do not apply during Open Enrollment your application will be subject to health evidence underwriting and insurance company approval.

There are two Open Enrollment opportunities offered by the plan:

For new teachers, Open Enrollment is during the first 120 days of their employment.
For all chapter members, Open Enrollment occurs if your Chapter conducts a successful enrollment campaign and the necessary participation requirements are met.

Once accepted into the Plan, and coverage options are selected, premiums are automatically deducted from your paycheck.

Click here to view CTA Voluntary Life Insurance Schedule

How to Use this Benefit

Claim Forms are available by calling:


	Related Documents and Forms
	Pamphlets CTA Voluntary Life Insurance Plan Brochure This brochure contains information regarding coverage options, applicable premiums, and other important enrollment information. It also includes an enrollment application. CTA Life and Disability Insurance New Teacher Kit This kit provides an explanation of the new teacher 120-day open enrollment for the CTA Voluntary Life & Disability Insurance plans. This kit includes an enrollment application.

Contact Information

UnumProvident's CTA Customer Service:


	For More Information
	Visit the CTA Health Information and Wellness page for information on the BabyWise program.

CTA Life Insurance