CTA Newsletter Nov 2012

Planning for Long-Term Care

According to the U.S. Department of Health and Human Services, National Clearinghouse for Long-Term Care, over 70% of us who live to retirement age will need long-term care at some time in our lives. Are you prepared? If you live past 65, there is a good chance you'll need some long-term care services.

• DID YOU KNOW? An assisted living facility costs $42,000 annually per person and a private room in a nursing home costs $93,988 per year in California
• CAN YOU BELIEVE? Some insurers plan to raise rates by 50% over the next 5 years, and 25% on newer policies
• HAVE YOU HEARD? The CalPERS program, which is used by many CTA members, stopped taking new business, and approved an 85% premium increase on those already in the program!!

Read More about long-term care and what NEA Member Benefits has to offer CTA members!

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CTA Disaster Relief Fund

Are you aware that the CTA Disaster Relief Fund provides financial assistance to CTA members who have experienced significant losses due to disasters in California?

Read More about this special fund for CTA members!




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Vocational Specialist Helps Get CTA Members Back to Work after Disabilities




Don Earwood has been a vocational case manager with The Standard for more than 25 years. In his role, Don helps get CTA members back to work after a disability, and he facilitates any adjustments that he determines need to be made to their workspaces.

"I work with our claim analysts and examiners to see if we can help members who want to return to work," Don explained. "If someone has the desire and capacity to return to work on even a part-time basis, there may be some accommodations that we could help with so the person can then evolve into working on a full-time basis."

Read More about Don's work!




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Don't Miss This Special Enrollment Opportunity

If you're a newly hired CTA member this year, you may be eligible for a special, limited-time opportunity to apply for CTA-endorsed Disability and Life Insurance from Standard Insurance Company (The Standard).

If you apply within your first 120 days of starting your new job, eligible CTA members can get up to $200,000 of Life Insurance coverage without answering any health questions.

You can also apply for Disability Insurance, which can help with the everyday bills like your mortgage and utilities, that continue even when you can't work -- expenses that health insurance won't cover. The CTA-endorsed Disability Insurance plan was specially designed to address the gaps in coverage that many California educators face.

Read More about this unique opportunity!