E.C.E.T.A.

May 23, 2011

NEA Member Benefit of the Week:

Steps for Getting Your Finances Under Control

Many people feel as though their personal finances are out of control, with no hope of ever recovering from the financial mayhem in which they find themselves. With jobs lost, mortgages underwater, and retirement accounts still on life-support, this feeling of hopelessness is understandable.

For those who think that financial stability is out of reach, the National Foundation for Credit Counseling (NFCC) reminds consumers that even if their current situation seems hopeless, there are steps they can take now that will put them in a better financial position. Each tip in the following list can help put you on the road to solid financial ground.

Live within your means – Simply put, don’t spend more than you make. To accomplish this, put the credit cards away. Many well-meaning people resort to living off of credit when facing a financial crisis, digging an even deeper financial hole. Instead, try living on a cash basis. People who do this typically spend 20 percent less, and they do it without feeling deprived. They buy what they want, but since their level of awareness has increased, they don’t spend as frivolously.

Get financially organized – Sometimes people become so overwhelmed that they bury their head in the financial sand. Not only do they neglect paying their bills on time, they don’t even open the monthly credit card statements. Such habits result in late fees, a tarnished credit report and a lower credit score. Become financially organized by creating a cash-flow calendar where you record each payday for everyone in the household who earns money. Next, write down which bills are to be paid out of each check. Get into the habit of keeping all bills in one location so that you can easily put your hands on them, and commit to visiting your home “financial center” at least once per week.

Don’t overdraft your checking account – Even if you have overdraft protection, this is a habit that speaks of a deeper problem that should be addressed. Write down each deposit and withdrawal in your check register, including all debit and ATM transactions. Regularly balance your checkbook, and reconcile your bank statement within one week of it arriving. If you do these things, but continue to overdraft your account, the overdraft is no accident. Do not continue in this pattern. Instead, reach out to a legitimate credit counseling agency for help in resolving whatever is at the root of the problem.

Know where your money goes – Have everyone in your household who spends money track their spending for 30 days. At the end of the month, come together to review the findings and determine where the leaks are. Jointly decide how to plug them. Make adjustments so that your budget reflects exactly how you want your hard-earned money to be spent. You will never be fully in charge of your finances until you complete this exercise.

Create a rainy-day fund – Many people say they can’t afford to save. Neither can they afford to be ill-prepared for the inevitable money-gobbling emergency. Now that you’ve tracked your spending and are allocating where your money goes, be sure to include a savings category with money ear-marked for that purpose each month.

Improve your tarnished credit – If recent events have made your credit report less than stellar, work on improving it. Review the damage by obtaining a free copy of your credit report from www.annualcreditreport.com. Look for what’s doing you the most harm, things such as accounts that have gone into collections, or old credit card bills that you’ve forgotten about.

Create a plan to begin repaying these debts, even if it’s a small amount each month. A past-due bill that has been paid is less damaging than a past-due bill that remains unpaid. Further, recent activity has a stronger influence on your credit score than things that happened in the past, so taking positive steps now will likely result in an improved score down the road.

Slowly reenter the world of credit – Most people will need a thick and positive credit file to obtain the credit necessary to buy a big-ticket item such as a house or a car. If you are not currently a candidate for more traditional forms of credit, you may want to consider applying for a secured credit card. You will be required to place a pre-determined sum of money as collateral on the account. Your spending limit will be equal to this amount. (Note that you must still pay your bill each month—the collateral funds you put up remain untouched, somewhat like a security deposit.) Make sure that the secured card you select reports your activity to each of the credit bureaus and doesn’t have unreasonable fees. Treat your obligation responsibly, and it is likely that you will soon be offered an unsecured card.

If you’ve suffered a financial set-back, know that it is possible to restore financial stability to your life. The NFCC Member Agencies assist millions of people each year and understand how overwhelming it can be to deal with a serious financial situation. Consumers do not have to face the journey alone, however, as there is legitimate help available. The sooner you reach out for assistance, the sooner you will be on that road to recovery.

If you need help recovering from a financial set-back, reach out to an NFCC certified credit counselor. To be automatically connected to the NFCC Member Agency closest to you, dial (800) 388-2227, or find a counselor online at www.DebtAdvice.org/nea. Assistance in Spanish is available by calling (800) 682-9832.

May 16, 2011

CTA Member Benefit of the Week:

Looking for a summer vacation destination and discounts? TSA Special Member & Insurance Services, Inc. has just released their new guide. The 2011Spring/Summer Buying Guide features terrific entertainment specials for the California educational community and their families. You'll find deals for Disneyland, Disney California Adventure Park, California's Great America, Knott's Berry Farm, LEGOLAND, Monterey Bay Aquarium, and more. You can order a copy of the guide at www.cta.org or download a copy http://www.tsaspecialservices.com/TSAguide.pdf .

NEA Member Benefit of the Week:

The Value of Education—On Long-Term Care Insurance!

Most people never think they’ll need long-term care, but the truth is over 70 percent of us who live to retirement age will require long-term care at some point in our lives.¹ Unfortunately, most health insurance plans, including Medicare and Medicaid, do not cover extended care needs, and medical bills that accrue after health insurance coverage is exhausted can put retirement savings at risk.

Long-term care insurance is an important component of a sound financial plan, enabling you to protect your financial assets and avoid burdening your family in the event you need long-term care services. But the cost of long-term care insurance (the premiums you’ll pay) is based on age and health status, so it’s wise to investigate it now—the sooner the better!

NEA Member Benefits and LTC Financial Partners, representing the NEA Long Term Care Insurance Program, have designed a special seminar for NEA members entitled, “A Look at Family Preparedness: Creating a Long-Term Care Plan.” This free seminar offers valuable information on the benefits of long-term care insurance and also addresses:

Common misconceptions about long-term care insurance
Advice on choosing the long-term care policy that’s right for you
Answers to your questions about long-term care insurance
Free educational resources
Premium discounts available to you and your family members

To request a free long-term care insurance seminar at your school or local association meeting, please call 1-877-632-5827. Don’t miss the opportunity to be educated on this important topic!

¹U.S. Department of Health and Human Services, National Clearinghouse for Long Term Care Information, www.longtermcare.gov, September 2008.

May 9, 2011

CTA Member Benefit of the Week:

Automobile Insurance Rates Still Reduced for CTA Members

Last year, CTA and California Casualty were able to achieve a reduction in rates for the CTA endorsed automobile insurance program averaging 11.7%! You can still take advantage of these attractive rates.

To encourage members to take another look at the special CTA California Casualty auto insurance program, for a limited time you can get a auto quote, find out how much you can save, and California Casualty will send you a $15 Target Gift Card. Call today or complete the form! http://www.ctaautoinsurance.com/

California Casualty Offer Exclusive Benefits for Educators

Zero-deductible coverage for collision or vandalism to vehicles parked on or within 500 feet of school property. This covers vehicles parked at school, school offices, education association offices, and off-campus during school authorized activities.
$500 personal property coverage if any belongings are stolen from your car, including school supplies.
Convenient payment plans including holiday and summer skip, and other payment options in the event of a layoff or CTA-sanctioned strike.

NEA Member Benefit of the Week:

Save $50 on a Hertz Adrenaline Collection Weekly Rental!

Include PC# 155676 in your reservaton from May 1 through June 30, 2011 and save $50 on a weekly rental of a Hertz Adrenaline Collection vehicle at select locations in the U.S. This brand new collection of high performance cars include the Ford Mustang GT, Dodge Challenger RT, and Chevrolet Camaro SS -- all with designs and colors reminiscent of classic muscle cars. They also come standard with SIRIUS/XM radio -- over 120 channels!

Pick the exact model you want: Call 1-800-654-2200 or go online to www.neamb.com/hertz and click on the "Special Offers" link. (Be sure to include your NEA discount CDP# 50655 on all your reservations for additional savings every time you rent.) (Advance reservations are required. Not all vehicles, vehicle equipment and services are available at all locations. Go to www.neamb.com/hertz for complete offer terms and conditions.)

CTA Member Benefit Article of the Week:

Eight Important Things to Watch on Your 403(b) and 457 Plans

By Diane Morte, CEBS, CTA Member Benefits Consultant

Public school employees’ 403(b) and 457 defined contribution (DC) plans are important vehicles to assist members prepare for comfortable retirements. When you consider that financial consultants often recommend that retirees plan on replacing 80 to 100% of their pre-retirement earnings and that the average CalSTRS retiree receives only 63%, you can see the value 403(b) and 457 plans bring to CTA members.

Understanding the importance of supplementing future pension benefits is just one step in assuming control of your financial future. Taking advantage of pre-tax defined contribution programs like 403(b) and 457 plans is an attractive option for educators. The beauty of (and risk in) utilizing defined contribution plans is the degree of flexibility and the amount of control you have over your investments. Some employees are overwhelmed by the choices available to them and hesitate in fear of making mistakes. Others trust advice from insurance annuity sales agents – assuming that they are experts and have the employees’ best interest at heart.

Now is the time to take control of planning for your retirement – no matter what age you are. Here are some tips to consider as you begin making contributions or refining your current 403(b) and/or 457 plan strategies:

1. Invest early and wisely.

With pre-tax contributions, you save on taxes now. Money you contribute to 403(b) and 457 plans is subtracted from your paycheck before federal and state income taxes are calculated. Tax-deferred savings and the magic of long-term compounding work to grow your account balance over time.

2. Watch your paystubs and retirement plan statements to ensure your contributions are being made accurately and in a timely manner. Your money should be invested in your selected products within two weeks following the deduction from your paycheck – the sooner the better.

3. Become educated so that you are comfortable making good investment decisions.

Visit our special website dedicated to financial and investment information, www.CTAInvest.org. Order your free copies of the CTA guides Closing the Gap Supplement Your Pension Benefits with a 403(b) or 457 Plan and Selecting a 403(b)/457 Advisor & Understanding Plan Fees at www.CTAInvest.org or www.cta.org. 403(b) product information is also available at the CalSTRS website www.403bcompare.com. Consider attending 403(b)/457 Plan presentations scheduled at many CTA conferences. You can also review your plan prospectuses – if you can’t locate them, contact your vendor and request copies.

4. Ask for help if you need it.

Be careful who you trust, however. Do your homework and ask questions. Unless the advisor is working in the capacity of a fiduciary, he/she is not ethically or legally obligated to act in your best interest. Be aware that commissioned agents are motivated by income concerns – probably more theirs than yours. For information on evaluating advisors, see number #3 above.

5. Insurance sales representatives target educators and they work hard to reach out to you.

Educators may assume that investment professionals that give presentations at their districts or contact them through the districts have been vetted and are endorsed by the district. This is probably not the case. It is up to you to evaluate their credibility and the products that they recommend to you.

6. Think twice before investing in annuities. Consider investing in mutual fund products.

Will annuity products provide the results you need? Are their fees disclosed and reasonable? Is the financial strength of the insurance company strong and will it remain so? Will the agent receive commissions for the sale or convincing you to change investments? Does the annuity product include expensive and unnecessary insurance features? Note – before transferring funds from an annuity product or requesting a distribution, determine if surrender charges will apply – this is money you can lose if you withdraw your investments too early. To learn more about annuities and mutual fund products, see #3 above.

7. Manage your defined contribution accounts.

Avoid taking loans or withdrawals from your accounts unless absolutely necessary. Contribute as much as you can. Consider allocating more toward your contributions when you receive pay increases; and take advantage of catch-up provisions if available. Review your investment products and account balances regularly to determine if your diversification strategy and asset allocation is appropriate for your needs.

8. If you have concerns about your 403(b) and 457 investment choices, sales presentations being given at your district, and/or your district’s 403(b) plan third-party administrator, bring these concerns to your chapter leaders.

You deserve a comfortable retirement without financial worries. Hopefully, these suggestions will help you to make the most of your opportunity to supplement your pension benefits with 403(b) and 457 plans.

May 3, 2011

CTA Member Benefits is highlighting the CTA Well-Baby Program which provides expert resources to eligible CTA members and their pregnant spouses or domestic partners. This program offers the Mayo Clinic Guide to a Healthy Pregnancy book, access to the Ask Mayo Clinic 24-hour toll-free nurse line, and access to a Mayo Clinic Pregnancy Advisor nurse available by phone throughout the pregnancy and three months post-partum. This benefit is available free to eligible CTA members enrolled in either the CTA-endorsed voluntary group Life or Disability plan with The Standard and to their spouses/domestic partners. Please note, enrollment in the CTA Well-Baby Program is only acceptable through the 20th week of pregnancy. However, if you are a CTA member or the spouse/domestic partner of a CTA member who is past 20 weeks of pregnancy, a one-time late enrollment opportunity will be accepted as long as the CTA member is within the first 120 days of new employment. For enrollment in the CTA Well-Baby Program, contact 800-906-1064.

Friendly Enrollment Reminders from The Standard!

Do you have voluntary Disability or Life Insurance with another carrier?

From April 1 to May 31, 2011 you can switch your coverage to the CTA-endorsed plans offered by Standard Insurance Company with no health questions asked. To begin the process, provide proof of your existing coverage* with your application.

*Provide a paystub showing deduction of premium for Disability and Life Insurance. For Life Insurance, please provide a certificate with current coverage amounts.

For costs and further details of the coverage and this enrollment opportunity, including the exclusions, any reductions or limitations and the terms under which the policy may be continued in force, call The Standard’s dedicated CTA Customer Service Department at 800.522.0406 (TTY), 7:00 a.m. to 6:00 p.m. Pacific Standard Time.

Questions?

To learn more, visit www.cta.org/thestandard. Or, call The Standard’s dedicated CTA Customer Service Department at 800.522.0406 (TTY), 7:00 a.m. to 6:00 p.m. Pacific Standard Time.

NEA Member Benefit of the Week:

Pink-Slipped, RIF’d, Non-Renewed, or Otherwise Laid Off?

MAP Can Help!

For many NEA members, the sense of hopefulness and beauty that accompanies spring is tainted by fears of school budget cuts and the dreaded “pink slip.” If you or a colleague is facing this situation, NEA Member Benefits is offering an online resource that can help.

The Member Assistance Program (MAP) at www.neamb.com/assistance provides guidance, information and tools for dealing with the financial repercussions of job loss and preparing to find a new position. In addition to a Job Layoff Checklist and links to useful sites on the Web, the “Resources and Services” section of MAP provides information on special accommodations* that may be available to participants in NEA Member Benefits programs.

Being proactive is the best way to improve your outlook and your circumstances. Start by visiting MAP online at www.neamb.com/assistance!

*You must maintain membership in the Association to be eligible for special accommodations.

CTA Member Benefit Article of the Week:

Is Financial Clutter Overwhelming You? Take These Simple Steps to Get Organized.

How can you identify if you have financial clutter? Ask yourself these questions:

Do you have multiple bank accounts?
Do you have multiple credit cards?
Do you receive too many bank and other business type statements monthly?

If you answered “yes” to any of these questions, you may be suffering from financial clutter.

You can free yourself of financial clutter—similar to having a garage sale or donating unwanted items to charity—and gain a rewarding payoff. Your payoff can be lowering banking fees (and/or eliminating fees), reducing your exposure to identity theft, and saving time and the environment. Below are some simple steps to take to reduce your financial clutter.

Identify the clutter – make a list of all of your financial accounts, credit cards, and other assets and debts. This will show you what you own and what you owe, helping you figure out what you don't need.
Consolidate bank accounts – review your list of the accounts (see above); research which accounts offer the best services at the lowest cost and stop or transfer any automatic deposits or payments on the less attractive accounts, and instruct the financial institutions to close those accounts.
Get rid of high-rate credit cards – use only credit cards with a low interest rate and close other accounts to free yourself from paperwork, advertising catalogs and identity-theft risk.
Shred bank statements and use online banking – most banks and credit unions offer online banking, bill payment and eStatements at no cost. Not only is online banking environmentally-friendly, it also greatly reduces identity theft from occurring.

April 25, 2011

CTA Member Benefit of the Week:

This week we’d like to make you aware of the Member Benefits mini-track at the upcoming 2011 Summer Institute at UCLA -- Travel the Road of Life and CTA/NEA Member Benefits. We hope that you or another representative from your chapter will attend. We plan to have lots of fun while learning how numerous CTA and NEA member benefits can benefit your members of all ages and your chapter. A copy of our flyer is attached. Let me know if you have any questions.

NEA Member Benefit of the Week:

Whether you are defending yourself or public education, education professionals have to be prepared to handle bullying in the classroom and critics in the public.

The NEA Professional Library offers several titles to help prepare you for these circumstances and now they are available at low special member pricing. See the flyer attached for several featured publications. You can find more at http://store.nea.org/NEABookstore/control/main.

April 18, 2011

CTA Member Benefit of the Week:

CTA Travel, Entertainment and Purchasing Discounts

Are you thinking about travel plans over the summer? Your CTA membership provides travel services and entertainment discounts through TSA Special Member Services that can be of assistance. For travel offerings, visit TSA Travel at www.tsaspecialservices.com/travel.htm or call (800) 570-7877. TSA Travel provided by Corniche Travel. For discount entertainment tickets to exciting California attractions such as Disneyland, San Diego Zoo, and California’s Great America, visit TSA Special Member Services at tsa@tsaspcialservices.com. Order your tickets by calling TSA on (800) 537-8491.

NEA Member Benefit of the Week:

NEA Click & Save “Buy-lights” for April 2011

NEA Click & Save, the online discount buying service for NEA members, highlights select retailers and merchants each month. Check out these featured “Buy-lights” for April!

GNC: 20% off $50 or more

Brooks Brothers: 15% off

Target: $7 off $70

Sears: $35 off $300

Join the 185,000 NEA members already registered for NEA Click & Save. Go to www.neamb.com/clickandsave today!

Have a great week!

April 11, 2011

CTA Member Benefit of the Week:

Many members may be thinking about their finances this time of year – increasing savings, loans, refinancing, etc. CTA has endorsed two credit unions that provide many valuable and personal services including savings accounts, mortgage/home equity/personal loans, checking accounts, online banking and bill paying services.

· First Financial Credit Union (Southern California) (800) 537-8491, www.ffcu.org/cta

· Provident Credit Union (Northern California) (800) 632-4600, www.providentcu.org

Not aware of First Financial or Provident Credit Union locations near you? In addition to First Financial Credit Union branches in Southern California and Provident Credit Union branches in Northern California, you can perform most of the same over-the-counter transactions at any CU Service Centers® location. For CU Service Centers® locations, you can visit the websites above or call the numbers indicated. In addition, you can call (888) CU-SWIRL (287-9475).

NEA Member Benefit of the Week:

Your online teacher store for student rewards, classroom décor and more!

NEA members receive:

5% off all orders
FREE shipping* on all orders, no minimum!
Exclusive member discounts and special savings
FREE membership in Teachers’ Club**
Signing up is quick, easy and free: The next time you place an order, just tell us you want to join.
- Earn 1 point for every dollar you spend. (1 point = 10 cents.) Redeem points to save even more on your next order.
- Receive 25 bonus points on your first order. For example: Place your first order for $75 and you’ll earn 75 points + 25 bonus points. On your next order, redeem your 100 points and save an additional $10!

April 4, 2011

CTA Member Benefit of the Week:

CTA Platinum Plus® Visa® with WorldPoints® rewards

Enjoy your choice of travel, cash and merchandise rewards with the CTA Platinum Plus® Visa® with WorldPoints® rewards provided by Bank of America.

WorldPoints rewards are Truly Rewarding:

Choice of cash, travel or merchandise rewards
Choice of major U.S. airlines
No blackout dates on reward travel
Redeem for merchandise rewards with as few as 2,500 Points
No limit to the number of WorldPoints rewards you can earn

For information about rates, fees, other costs and benefits associated with the use of this credit card, please check the links below and refer to the disclosures that accompany the online credit card application. This credit card program is issued and administered by FIA Card Services, N.A.

To Apply, go to www.applyonlinenow.com/us/CTA or call 866-867-6323.

NEA Member Benefits Article of the Week:

The History of Women and Credit

This article by the National Foundation for Credit Counseling (NFCC) examines the evolution of credit as it relates to women, and encourages women to take advantage of the credit opportunities available to them to establish credit in their own name.

Many young women have never known a time when credit was not available to them, but that has not always been the case. Even though some form of credit may have previously been an option to women on a small scale, it was legislation in the 1960’s that laid the groundwork for extending credit to women as we know it today. Throughout that decade, various pieces of legislation were enacted that addressed equal pay for equal work and affirmative action benefits for women, and laws were created that made it illegal to specify gender in employment ads.

Women were not only working (as employers could no longer discriminate against women when hiring), but they were potentially earning more money than in the past. It was only natural that the next step would be gaining equal access to credit. In 1974, the Equal Credit Opportunity Act (ECOA) changed the way issuers made their credit-granting decisions considering, among other things, gender.

Prior to the ECOA, women often met with resistance when attempting to establish credit in their own names, but now things had changed. Along with the ECOA, additional regulations were put in place which further defined what questions the creditor could and could not ask when making the credit-granting decision, one of which specifically addressed household income. A consumer could now rely on the income of his or her spouse when applying for individual credit. This further opened the door for married women, whether working or not, to obtain credit in their own name.

Fast forward almost forty years. A provision of the Credit Card Accountability, Responsibility and Disclosure Act, commonly known as the CARD Act, restricts the issuer from opening a credit card account unless the issuer considers the ability of the consumer to make the required payments under the terms of the account.

At first glance, this provision seems reasonable. After all, shouldn’t a person have to demonstrate an ability to pay before being extended credit? Doing otherwise could enable a person to dig a financial hole from which he or she cannot recover.

At issue is the requirement that lenders review an individual’s income and that they would not be allowed to consider household income in their credit granting process. That has led some consumer advocates to argue that such a move could have serious negative implications for women who do not work, or are divorced or widowed, as they would potentially have no access to credit of their own and thus no credit history upon which they could rely to prove their credit-worthiness.

“The NFCC encourages women to protect themselves by obtaining credit in their own name,” said Gail Cunningham, spokesperson for the NFCC. “Treated responsibly, credit can become a safety net for all women whether they are single, divorced, widowed or put into other situations where they have to depend on their existing lines of credit that are in place.”

The following steps can help women establish their own credit:

· Obtain your credit report free of charge from www.AnnualCreditReport.com. The information in your credit report represents a large part of your credit score, so you should get your report and review it for accuracy. If there are errors, dispute them through the form that is provided with your report. If there are past due accounts, bring them current.

· Order your credit score. Even though there is a fee to obtain your score, it will be money well-spent. Understand the range in which your score falls and where you rank as compared to others. Your score will likely come with concrete steps to help you improve it. Take advantage of this advice, as the credit score’s three little numbers dictate whether or not you will be extended credit and at what rate. Typically, a high credit score equals a low interest rate on cards and loans. Order your credit score through www.myfico.com. Skip the free credit score offer unless you’re good about canceling the attached trial subscription within the ten-day timeframe. Click on the FICO Scores & Credit Reports tab instead and order the standard report.

· Give your credit report time to reflect the positive steps you’ve taken. Getting old accounts removed, paying down debt and disputing inaccuracies takes time to cycle through the system. Wait three months before applying for credit.

· Don’t apply for too much credit at once. That can send the wrong signal to the lender, and put inquiries onto your credit report, potentially resulting in a lower credit score.

· Start by applying for a credit card. Although the credit scoring model likes to see how you handle different types of credit, the most weight is usually put on your record with revolving lines of credit.

· If you are attempting to rebuild credit after a financial set-back, consider getting a co-signer. Keep in mind, however, that the activity on the account will be reported in both your name and the co-signer’s name. This is a good way for you to build a positive credit history if you handle the card responsibility. However, there will be negative ramifications to both you and the co-signer if payments are not made on time.

· Consider starting with a secured credit card. A secured card provides a good opportunity for a person to build a credit file if they cannot qualify for more traditional lines of credit. With this type of card, the individual puts up an amount of money that serves as security for the card. Once issued, the available line of credit is usually equal to the amount of the security deposit minus any fees. Caution: the fees associated with these types of cards can be steep, so read the fine print carefully.

If you need help establishing credit, reach out to a trained and certified credit counselor at an NFCC Member Agency. To locate the agency nearest you, call the dedicated NEA member line toll free at 1-866-479-NEA2 (6322) or visit the special web page for NEA members at www.debtadvice.org/nea. Help is just a call or click away!

March 22, 2011

CTA Member Benefits of the Week:

Friendly Reminders from The Standard!

More than 85,000* of your peers have chosen to protect their families with the only CTA-endorsed Disability and Life Insurance provider – The Standard. Protect your family by applying today. If you have any questions about CTA-endorsed coverage available through The Standard, contact their dedicated CTA Customer Service Department at 800.522.0406 from 7:00 a.m. to 6:00 p.m. or write to them at ctaservice@standard.com with any questions or concerns. Or, learn more by visiting www.cta.org/thestandard.

Retiring this year?

As you prepare for retirement please don’t forget that you and your loved ones can continue a portion of your current, active CTA-endorsed Life Insurance if you maintain a CTA-NEA Retired Lifetime Membership and apply within 120 days of retirement. For more information contact The Standard’s dedicated CTA Customer Service Department.

Wedding or baby due this spring?

Spring cleaning?

Make sure to call The Standard if you’re moving to a new address or needing to make changes to your beneficiary designation. It’s important to keep your records up-to-date, and it’s easy to do. Simply call The Standard’s dedicated CTA Customer Service Department at 800.522.0406.

*Based on figures developed by Standard Insurance Company as of September 1, 2010

Vision Discount Program for NEA/CTA Retired Members Provided by VSP

The VSP Access Plan Discount Program is available to NEA/CTA-Retired members. This valuable program is free for eligible retired members and is provided by the CTA Economic Benefits Trust.

Retired members of NEA/CTA who are in good standing are eligible to participate in the VSP Access Plan Discount Program.

The discount program available from Vision Service Plan (VSP) participating providers only*

The VSP Access Plan discount program includes:

· Eye Exam: 20% discount on VSP network doctors' fees

· Eyeglasses: 20% discount on complete pairs of prescription and non-prescription glasses, lens options, and sunglasses

· Contact Lenses: 15% off VSP network doctors' contact lens exam fees

· Laser vision correction: discounts averaging 15% off contracted laser centers' prices for laser vision correction surgery or an additional 5% off the center's promotional price

* Discounts are available through the VSP network doctor who provided an eye exam within the last 12 months and a CTA-Retired membership number must be presented at the time of visit. For more information on the Vision Discount Program, call:

Vision Service Plan (VSP)
http://www.vsp.com/ (800) 877-7195

NEA Member Benefits of the Week:

Remember, you only have until March 31 to take advantage of this special promotion!

Simply go online to http://k12teacherstaffdevelopment.com/nea/promo.htm and enter code NEAHALFPRICE in the coupon box during registration.

Two NEA Academy Courses HALF PRICE—Only Until March 31!

Here’s an exciting offer from the NEA Academy! From now until March 31, 2011, NEA members can enroll in two 5-hour, self-study courses offered by the Professional Learning Board at HALF-PRICE—only $19.95 per course:

· Reading Across the Curriculum—focuses on strategies for reading instruction in all content areas

· Accommodating All Learners—a research-based course packed with strategies, resources, and tools that examines 21^st century student and educator strengths

Participants may earn up to five CEUs per course, and a certificate is provided online immediately upon successful course completion.

Got questions? Contact the Professional Learning Board at 1-612-605-7263 or online to

http://professionallearningboard.com/livehelp/livehelp.php?department=7.

March 14, 2011

Teaching Techniques

Testing Practice

"I prepare my students for standardized tests beginning in September in several ways. I prepare all tests and quizzes, including spelling, in a standardized format. With my math chapter tests, I require that the paper showing work and checking be turned in. That lets me see where mistakes are made for re-teaching purposes and teaches students to get in the habit of copying the problem down and checking it on the extra paper. I make English quizzes in a paragraph form with the incorrect information underlined with a letter above it, just as in our standardized tests. I make my tests tricky, so students will realize that sometimes they must look more carefully than they first thought. As a result of all this preparation, when March tests begin, my students are comfortable with the format. The week before the tests we take a nice break from all this to allay the pressure. My class has practiced all year and the tests are like the final basketball game in a tournament."

Content

Drop Everything And Read (DEAR) Week

"We celebrate reading for a week. On Monday the teachers perform skits taken from familiar story books. On Tuesday at a given time our school will Drop Everything And Read (DEAR) whether students are in PE, music, etc. On Wednesday we have a storybook character parade/contest. On Thursday we have a short story writing/illustrating contest. On Friday local football players, cheerleaders and band members will come to our school for a pep rally for reading. Later that day city officials will visit schools and read to classrooms."

Getting Organized

Test Autopsies

"Whenever I give a major test, the kids have a chance to improve their scores by doing a test autopsy. They correct their mistakes and then write a half page reflection on why they did so poorly and what they should have done differently. They earn a half point for each corrected answer. For example, if they got 15 out of 25 and did an autopsy correcting them all, their new score would be 20. Not only do the parents love it, the test scores have improved and the students are really taking ownership of their work!"

Managing Your Classroom

Appropriate Talking Times

"Students love to have time to talk and to share gossip. In order to keep them from doing it during instruction, I apply 'My Time'. During 'My Time', they must pay attention. They can not talk nor disturb others who are trying to learn and to pay attention. At the end of class, 'Their Time' is the last five minutes. The students want to have a few minutes to talk and to share amongst themselves."

Relationships

Teacher Yearbooks

"To make new teachers feel welcome, we photocopy the teacher pages of the previous year's annual and give it to each new person. Under the pictures, we add first names and nicknames. This really helps new teachers get to know the names of the other staff members quickly and they tell us it gives them much more confidence their first few days in a school full of strangers."

Using Technology

Computer Class Organization

"A computer lab can get cluttered in a hurry so I assign a Row Manager each day for each row of computers in the room. At the end of the period, this student is responsible for reminding other students to stay organized. The Row Managers get a small checklist of cleanup items.

       (1) Computers logged off.
       (2) Disks put away.
       (3) Paper off the floor.
       (4) Paper off the computer areas.
       (5) No books, pens, etc. left out.
       (6) All chairs pushed in.

The Row Manager leaves the checklist at the end of the row so that I can take a quick walk down the isles, collect the checklists and evaluate the clean up. Students get an extra credit point added to their grade for completing all the items on the list and I have a neat and organized classroom for the beginning of the next class."

March 7, 2011

CTA Member Benefit of the Week:

We continue to spread the exciting news about our CTA-endorsed California Casualty automobile insurance program. They lowered their rates last year and if you haven't looked at their rates recently, it may be a good time to look at them again. See what Martha Seaman of Southwest Teachers Associaton found:

I wasn’t looking to change my automobile insurance carrier when a California Casualty representative visited my school and offered to prepare a quote for me. She explained that they had recently reduced their auto insurance rates and that it would only take a few minutes of my time. I figured why not -- it wouldn’t hurt to look. I was very surprised to see that I could switch both my auto and home policies to California Casualty and save about $1,000 in annual premiums. I’m so glad that I took the time to talk to her and look at the quotes. It’s great that CTA provides benefits and savings like this to their members. My savings on the California Casualty products alone exceed the cost of my annual association dues.

Automobile Insurance Rates Reduced for CTA Members

Last summer, CTA and California Casualty were able to achieve a reduction in rates for the CTA endorsed automobile insurance program averaging 11.7%! CTA Members who use this program will continue to receive the outstanding service that they have come to expect from California Casualty for over fifty years.

California Casualty Offers Other Benefits Exclusively for Educators

Zero-deductible coverage for collision or vandalism to vehicles parked on or within 500 feet of school property. This covers vehicles parked at school, school offices, education association offices, and off-campus during school authorized activities.
$500 personal property coverage if any belongings are stolen from your car, including school supplies.
Convenient payment plans including holiday and summer skip, and other payment options in the event of a layoff or CTA-sanctioned strike.

Please contact California Casualty for a quote, as well as encouraging other members to do so. Quotes can be obtained by phone at 1-866-680-5142 or online at www.calcas.com/cta. For more information, contact the CTA Member Benefits Department at 1-650-552-5200, or visit the CTA website at www.cta.org.

Download the Flyer

NEA Member Benefit of the Week:

NEA Member Benefits and Curriki Offer Free Learning Tools for Educators

New Partnership Offers NEA Members Unprecedented Access to Curriki’s Open Source Software and Tools

A new partnership between NEA Member Benefits and Curriki provides NEA members access to a wealth of online resources, including thousands of useful learning tools such as lesson plans, videos, worksheets, multimedia activities and courses. The open source publishing resources will enable NEA members to publish and store their own educational materials and share them with colleagues. Perhaps most importantly, it enables NEA members to collaborate with educators around the world, assisting each other with their curriculum planning process and supporting student learning outcomes.

Curriki is a global K-12 community for creating, sharing and finding free learning resources that improve teacher effectiveness and student outcomes. Curriki supports a convergence of educators, learners and committed education experts who are working together to create quality materials that will benefit teachers and students around the world; it’s an online education community created to support the development and free distribution of world-class educational materials to anyone who needs them. Its name is a play on the combination of 'curriculum' and 'wiki,' which is the technology they’re using to make education universally accessible.

“As a ground-breaking online community that promotes collaboration and transparency, Curriki truly embodies the values of teaching in the 21st century,” said Gary Phoebus, President of NEA Member Benefits. “By joining with Curriki, we’re giving 2.9 million teachers access to a wide range of tools and ideas. We are thrilled to partner with such an innovative organization and look forward to providing our members with collaborative tools they can use in the classroom and beyond.”

Members can access Curriki either through the NEA Member Benefits website at www.neamb.com or through the following link: http://link.curriki.org/NEA.

February 22, 2011

NEA Member Benefit of the Week:

Start Shaping Up with FREE Enrollment at Snap Fitness!

Most people have to pay up to $149 to join Snap Fitness, but not NEA members! Not only is the enrollment fee waived, but you also save 10% off your monthly membership. Learn about even more special member offers.

CTA Member Benefit of the Week:

CTA Platinum Plus® Visa® with WorldPoints® rewards

Enjoy your choice of travel, cash and merchandise rewards with the CTA Platinum Plus® Visa® with WorldPoints® rewards provided by Bank of America.

WorldPoints rewards are Truly Rewarding:

Choice of cash, travel or merchandise rewards
Choice of major U.S. airlines
No blackout dates on reward travel
Redeem for merchandise rewards with as few as 2,500 Points
No limit to the number of WorldPoints rewards you can earn

To Apply: www.applyonlinenow.com/us/CTA

February 15, 2011

CTA Member Benefit of the Week:

Did you know that as a member of CTA you have a valuable free life insurance policy called, “CTA Death and Dismemberment Plan”?

The Plan currently pays a one-time Death Benefit of up to $2,000 and a one-time Accidental Death and Accidental Dismemberment Benefit of up to $10,000. The benefit increases to a $50,000 payment should the death or dismemberment result from an accident or assault which occurs while you are actively engaged in your occupation or while you are acting in the capacity of an Association leader.

To learn more or to register your beneficiary, go to: http://www.cta.org.

NEA Member Benefit of the Week:

NEA Click & Save “Buy-lights” for February 2011

NEA Click & Save, the online discount buying service for NEA members, highlights select retailers and merchants each month. Check out these featured “Buy-lights” for February!

Blue Nile: 10% off plus free shipping

Shoebuy: 2x WOWPoints* plus 10% off and free shipping

Endless Shoes and Handbags: 2x WOWPoints plus free shipping

Nordstrom: 2x WOWPoints plus save up to 70%

eBags: 2x WOWPoints plus free shipping

*WOWPoints can be earned by shopping through WOWPoint Offers and by reserving Overwhelming Offers**. WOWPoints are flexible and valuable on the NEA Click & Save site (100 WOWPoints = $1.00 USD) and can be used for making purchases with select merchants from the “Redeem WOWPoints” section under the “My Account” section of the site.

**Overwhelming Offers are Black Friday-like deals shown on the NEA Click & Save home page every weekday excluding holidays.

Join the 170,000 NEA members already registered for NEA Click & Save. Go to www.neamb.com/clickandsave today!

February 7, 2011

NEA Member Benefit of the Week:

It’s that time of year again…time for filing taxes! Check out the NEA Member Benefit of the week from H & R Block and the NEA Member Benefit article of the week for tax strategies.

Special Discount Just for NEA Members!

File a federal form 1040EZ for FREE or save $20 on tax preparation at a participating H&R Block tax office, or do your taxes yourself with H&R Block's “At Home” online or software. Go to www.neamb.com and look under the “Money” tab in the “Discount” section to get an office coupon or start your return with At Home!

News from The Standard!

More than 85,000¹ of your peers have chosen to protect their families with the only CTA-endorsed Disability and Life Insurance provider – The Standard. Protect your family by applying today. If you have any questions about CTA-endorsed coverage available through The Standard, contact their dedicated CTA Customer Service Department at 800.522.0406 from 7:00 a.m. to 6:00 p.m. or write to them at ctaservice@standard.com with any questions or concerns. Or, learn more by visiting www.cta.org/thestandard.

1 Based on figures developed by Standard Insurance Company as of September 1, 2010

Family status changes

Remember that within 31 days of a Family Status Change, you can add or increase Life Insurance coverage up to $200,000 and/or add Disability coverage. Family Status Changes include: birth/adoption, marriage/domestic partnership and other qualifying events. For more information about this enrollment opportunity, or to file a maternity Disability claim, visit us at www.cta.org/thestandard.

For costs and further details of the coverage, including exclusions, benefit waiting periods and any reductions or limitations and the terms under which the policy may be continued in force, please contact The Standard’s dedicated CTA Customer Service Department at 800.522.0406.

Continuing Life Insurance after retirement

As you prepare for this new chapter in your life please don’t forget that you and your loved ones can continue a portion of your current, active CTA-endorsed Life Insurance if you maintain a CTA-NEA Retired Lifetime Membership and apply within 120 days of retirement. To learn more, contact The Standard’s dedicated CTA Customer Service Department at 800.522.0406.

January 31, 2011

CTA Member Benefit of the Week:

With Valentine’s Day approaching, you may be thinking about gifts to let your loved ones know that you care. Have you already taken care of securing their financial well-being if you should die? (What can you expect from a person that’s been in the insurance and benefits industry for 30+ years????) If not, this might be a good time to review their needs, determine if your provisions are adequate, and look at our voluntary Life insurance program.

CTA Voluntary Life Insurance Plan

Have you considered the consequences for your family if they were to lose you tomorrow? Could they cope with the loss of your income? The CTA Voluntary Life Insurance Plan with The Standard offers educators and education support professionals an opportunity to supplement existing life insurance or start a new plan.

Newly hired CTA members have a one-time opportunity to enroll in CTA-endorsed life insurance (up to $200,000) during your first 120 days of new employment. There are several other opportunities throughout the year to add or increase coverage, including but not limited to, chapter campaigns, members transferring to a new district, members transferring from another carrier, and those members with a qualifying family status change. Also, active members can apply for coverage at any time with satisfactory poof of good health. To learn more about enrollment opportunities, visit www.cta.org/thestandard or call The Standard’s dedicated CTA Customer Service Department at (800) 522-0406.

NEA Member Benefit of the Week:

Something Sweet for Valentine’s Day!

From Friday, January 22, 2010, to Sunday, February 14, 2010, NEA Member Benefits is going to treat you to special offers, discounts, giveaways and sweepstakes—all because we really care about you and your family!

Go to www.neamb.com and enter to win a "Sweet on You" gift basket that includes $100 from Barnes & Noble and iTunes, a cookbook, free H&R block tax preparation and, of course, a box of chocolates!

Look online for savings from NY & Company, maker of fine apparel, and more sweet deals like discounts from Snap Fitness health clubs, and incredible savings from one of our newest programs, NEA Auto Purchase Advantage, which offers a no-hassle car buying experience along with a low price guarantee!

Indulge yourself with all the sweet possibilities at www.neamb.com!

January 24, 2011

CTA Member Benefit of the Week:

Be Prepared with CTA-endorsed Disability and Life Insurance from The Standard.

Unexpected illnesses and injuries are more common than you may think. And even a minor Disability can have a big impact on your long-term financial plans. If you don’t currently have Disability and/or Life insurance, now is a great time to consider the CTA Group Insurance Plans insured by Standard Insurance Company.

Did you know CTA’s Disability Insurance can cover maternity leave as well as many other conditions that can keep you out of work - and CTA’s Life Insurance includes added benefits like help with a child's higher education costs in the event of a parent's death? This coverage is an essential part of securing your financial future. Don’t wait until you have a serious illness to apply – as you may not be able to qualify for coverage. There are several special enrollment opportunities to apply for coverage – like a 120-day enrollment period for newly-hired CTA members, a 31-day period for family status changes (marriage/domestic partnership, birth/adoption, etc.), and times when you can transfer coverage from another carrier. You can also apply for coverage at any time with satisfactory proof of good health.

More than 85,000* of your peers have chosen to protect their loved ones and way of life with quality products from The Standard. To learn more, contact The Standard’s dedicated CTA Customer Service Department at 800.522.0406 or visit www.cta.org/thestandard.

*As of September 1, 2010, based on figures developed by Standard Insurance Company

NEA Member Benefit of the Week:

NEA members and their eligible dependents can join Jenny Craig and receive a free 30-day program*

NEA Members and their eligible dependents can receive:

Free 30-day program*
25% off the 1-Year Premium Success program*
One-on-one support with weekly consultations
A personalized, comprehensive program designed to fit your lifestyle
Menus that are individualized to you and reflect balance and variety
The option of having Jenny's Cuisine^® delivered right to your door with the at-home program, Jenny Direct^®
24/7 support to help you stay motivated
Online tools that include a daily journal, menu planner, healthy recipes, message boards and chat rooms

To learn more about this Jenny Craig special offer and get started today, click on the "Get Coupon" button (available at the NEAMB website, http://www.neamb.com/home/1208_950.htm) to print a coupon to present at your first consultation.

*Food and, if applicable, shipping not included. Offer applies to initial membership fee only and is valid at participating U.S., Canada, and Puerto Rito centres and through Jenny Craig At Home. Each ofer is a separate offer and canb e used only once per person. Restrictons apply.

NEA Member Benefit Article of the Week:

Date published: Monday, December 06, 2010

By Jill Provost

It’s no secret that regular exercise can do wonders for the mind and body. But after a long day filled with unruly kids, spending an hour at the gym is probably the last thing you feel capable of. The good news is, you don’t have subject yourself to a sweat-drenching aerobics class to reap the benefits of exercise, says Heather Nettle, MA, exercise physiologist at Cleveland Clinic Sports Health and Orthopaedic Rehabilitation. Contrary to popular belief, walking is just as powerful as other forms of activity—and even 10 minutes a day can help.

Not convinced? Here are just a few of the health perks you can get from walking:

Helps your heart. You really can walk your way to health. When 2 groups of sedentary people were put on a walking or jogging program, they both showed the same level of cardiovascular fitness after 6 months.
Boosts energy. The more you walk, the livelier you feel. Even a quick stroll can punch energy levels up instantly. That’s good news for the 64% of teachers who report feeling drowsy during the school day.
Makes you happy. Exercise is a bona fide mood booster. Walking works as well as antidepressants in lifting a person’s spirits—and can increase self-esteem.
Keeps the sniffles away. Being around kids all day means you’re exposed to lots of germs. Forget the Emergen-C. Regular exercise cuts sick days in half.
Wards off unwanted pounds. Got an hour to spare? A brisk walk will burn nearly 350 calories.
Releases stress. We don’t have to tell you that teachers are a stressed-out bunch. According to Nettle, walking gives us a rush of endorphins—feel-good chemicals in the brain—that naturally helps us relax. Even a 10-minute walk during the workday can help reduce stress.

How to get started
So how much walking should you be doing? The American Heart Association (AHA) recommends 150 minutes of moderate-intensity exercise, like brisk walking, a week. As a rule of thumb, 3.5 to 4MPH is considered brisk, but it really comes down to your ability, explains Nettle. A good way to gauge your effort: you should be able to carry on a conversation, but be out of breath if you try to sing.

If 150 minutes a week sounds like a pipe dream, don’t throw in the towel just yet. When beginning an exercise program, it’s better to start slowly. Here’s how:

Set small goals. The most important rule to remember is any amount of exercise is better than none. With that in mind, pull up your calendar and ask yourself how much time you can realistically commit to exercise that week. “Make your goal a reasonable one,” says Nettle. “Even if all you can start out with is 2 10-minute sessions a week, that’s a good place to start, because you have room to build.”

Break it down. You don’t have to do all of your walking at once, says fitness expert Leslie Sansone, creator of the Walk at Home program. Take a stroll in the morning and another one after dinner.

Always be ready. Keep an extra pair of walking shoes under your desk or in your trunk. That way, there’s no excuse for not exercising, says Sansone.

Clip on a pedometer. Research shows that keeping track of your daily steps can boost mileage by 27%.

Location, location, location. “Teachers and staff have some of the best choices for walking, like school tracks, gymnasiums and large parking lots,” says Sansone. “In winter, our local school stays open so the community can walk the long hallways.” But if you’re the type who needs to get away from work once the day is over, try these options instead:

Drive to a neighborhood where you love to wander, such as a town center with sidewalks and shops.
Some towns have maintained trails or walking paths in woods, parks and by the water.
Invest in a treadmill, rent walking workout DVDs or just walk in place. “You don’t even have to go anywhere!” says Nettle. “That’s the great thing about walking: You can march in place in front of TV if you want to.”

Source: www.neamb.com

Please note: Any medical information provided on NEAMB.com, such as text, graphics, images and other material is for informational purposes only.

Have a great week!

January 18, 2011

CTA Member Benefit of the Week:

Saving for retirement with a 403(b) or 457 Plan is one of the most important decisions an educator needs to make. That is why CTA has been working hard to provide investment resources and education to help members with their 403(b) & 457 Plans. This has included the launch of CTAinvest.org and the new 403(b) consumer guides. We are expanding our education efforts by sponsoring a special one-day conference on Friday, March 18, 2011, in Garden Grove dedicated to helping participants with their 403(b) & 457 investment options. The conference will introduce opportunities for the chapter to utilize CTA’s investment education resources while promoting transparency with the district’s 403(b) & 457 Plan.

There is no fee to attend this conference and registration is open to all CTA members. However, given the importance of sharing CTA’s investment education resources with local members to promote informed investment decisions and help educators with their retirement savings, release time is available for two members per chapter (with the written approval from the Chapter President). Travel and related expenses are the responsibility of the participant. A continental breakfast and lunch will be provided to all atteendes.

Each chapter should consider approving release time for two members to attend the conference. Approving a member in a leadership capacity and a newer member is a possible option. We encourage the newer member to register and attend the Good Teaching Conference-South. All members attending the conference should register at www.cta.org/conferences. We will need written approval from the Chapter President designating the two members who will use release time.

Next steps for Chapters:

1) Send an email to hahn@cta.org with the names of the two members the President has designated for release time, along with the name of your local chapter. Please cc the two members on the email that will use release time (attendees must register at www.cta.org/conferences); or

2) The approved CTA member(s) or Chapter President may also complete the attached form and mail or fax it to CTA Risk Management/Business Initiatives and Development, 1705 Murchison Drive, Burlingame, CA 94010, fax number (650) 552-5014, or email the form to hahn@cta.org (attendees must register at www.cta.org/conferences).

3) Promote the conference by distributing the attached flyer.

If you have questions about release time or the conference, please email Henry Ahn at hahn@cta.org.

EVENT: Good Teaching Conference – South Pre-Conference Session

SESSION: 403(b) & 457 Retirement Plans – What You Need to Know Now!

DATE: Friday, March 18, 2011

TIME: 10:00 a.m. – 4:00 p.m.

LOCATION: Hyatt Regency – Orange County, 11999 Harbor Blvd, Garden Grove

AGENDA AT A GLANCE

Opening Keynote Address from David A. Sanchez, CTA President
What You Need to Know About Your Retirement
Understanding 403(b) and 457 Plans and Making Every Dollar Count
Be a Smart Investor
Avoiding Financial Services Predators
How to Utilize CTA Investment Education Resources in Your Chapter
Case Study: Putting It All Together
Optional Q&A with the Trainers

NEA Member Benefit of the Week:

In a recent survey conducted by the National Restaurant Association, 78% of adults agreed that going out to a restaurant with family or friends not only provided an opportunity to socialize but was a better use of leisure time than cooking and cleaning up. Consider these tips for reducing stress by taking advantage of restaurant options:
Everyone needs to eat – why not make it a treat by giving the gift of a meal out to yourself, your family or friends?

Restaurant.com invites you to eat, drink and save money! It provides reduced cost gift certificates to literally thousands of great restaurants
all over the United States, from casual to haute cuisine.

Enjoy great food, ambiance and conversation with friends and family at a tremendous savings over regular menu prices. Give the gift of a meal out to yourself, your friends or family this year and save money with Restaurants.com!

To get more information on the Click & Save Restaurant.com program, go to www.neamb.com, register (if you have not done so already) and log in with your email address and password. Once you are logged in at neamb.com, click on Member Benefits on the left, then click on Discounts, then click on Click & Save, then click on Start Shopping. Once on the Click & Save shopping site, search for restaurants and click "Go". Happy eating!

Have a great week!

News from The Standard

Happy New Year from The Standard!

For more than 100 years The Standard has been dedicated to one core purpose: to help people achieve financial security so they can confidently pursue their dreams. They have earned a national reputation for quality products and superior service by always striving to do what is right for their customers. To learn more about CTA-endorsed Disability and Life Insurance from The Standard, call their dedicated CTA Customer Service Department at 800.522.0406 from 7:00 a.m. to 6:00 p.m. Pacific Standard Time. Or, learn more by visiting www.cta.org/thestandard.

Family status changes

Keep your records up-to-date

At the start of this new year remember to call The Standard if you’re moving to a new address or need to make changes to your beneficiary designations. It’s very important to keep your records up-to-date, and it’s easy to do. Simply call The Standard’s dedicated CTA Customer Service Department at 800.522.0406 or go online to www.cta.org/thestandard.

Have you had a great experience with The Standard?

The Standard strives to provide the best customer service to all CTA members each and every day. If you’ve had a great experience with The Standard and you would like to let other CTA members know about it, please send your story to ctastory@standard.com.

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Time is running out to apply for the California Casualty Thomas R. Brown Athletics Grant

California Casualty has been serving California Teachers Association members since 1951, providing exclusive auto and home insurance. As a trusted education partner, they understand the impact that reduced state budgets have had on our public school system. To help our education community, they are offering a grant for high school sports programs with awards of $2,500 or more.

The application process is simple. If you are a high school employee, visit CalCasAthleticsGrant.com to find out how you, your Principal or Athletics Director can apply for a grant for your school. The deadline for submitting your application is February 1, 2011. If your school is selected for the grant award, your school will be notified and presented with a check in April 2011.

To learn more about California Casualty or to get an auto or home insurance quote, please call 866-680-5142 or visit www.calcas.com/CTA.

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Universal Studios Hollywood – A Salute to Our California School Employees

50% Off General Admission for Teachers, School, Employees and up to 3 Guests!

Offer valid through 3/31/11

Go to the Universal Studios Hollywood Ticket Booth to purchase up to 4 General Admission tickets at 50% OFF.

Current School Employee ID or Association/Union ID and driver’s license must be shown for purchase.

See below for requirements.

For more information call 800-329-4196

Offer valid through 3/31/11 for up to four (4) 50% Off General Admission tickets for California state K-12 Primary/Secondary public, private and/or charter school teachers and school employees, and their guests. Current School Employee ID, Association/Union ID or a California school payroll check stub issued within the last 30 days, which includes your name and the name of the employing school/district, and a driver’s license must be presented at Universal Studios Hollywood Box Office (copies of ID or payroll check stub are not acceptable). Ticket(s) must be used on the day of purchase and guest(s) must be with teacher or school employee at time of purchase. Offer subject to change without notice. Cannot be combined with any other offers, special events, pre-sold tickets, or discounted tickets, including 48” discounted price and is not valid at Universal Orlando. USH Management interpretation is final. Distribution on USH property prohibited. ©2011 Universal Studios. All Rights Reserved. 10-CON-10383

Discount is being offered by Universal Studios Hollywood to teachers and school employees, but Universal Studios Hollywood – A Salute to Our California School Employees is not an endorsed program of the California Teachers Association

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News from The Standard

Best wishes this holiday season!

The New Year is nearing and as always, The Standard is available to answer any of your questions about Disability and Life Insurance coverage. Their dedicated CTA Customer Service Department can be reached at 800.522.0406 from 7:00 a.m. to 6:00 p.m. Pacific Time. You can also learn more by visiting www.cta.org/thestandard or emailing ctaservice@standard.com.

Enrollment opportunity for new hires is ending soon

If you’re a newly hired CTA member, or if you have transferred to a new district, you have a special, limited-time opportunity to get Disability and Life insurance coverage from the only CTA-endorsed provider, Standard Insurance Company. During your first 120 days of new employment, you can get Disability Insurance and/or up to $200,000 of Life Insurance. Don’t miss this limited-time opportunity. Visit www.cta.org/thestandard to learn more and apply. Make sure you are registered with CTA’s website, www.cta.org. You will need a CTA Individual ID (located on your CTA membership card) to register, gain access to information and apply on-line.

Sweet Treat

Enjoy a delicious Chocolate Crinkle cookie* recipe courtesy of The Standard.

½ cup vegetable oil

4 ounce unsweetened baking chocolate, melted, cooled

2 cups of granulated sugar

2 teaspoons vanilla

4 eggs

2 cups of all-purpose flour

2 teaspoons baking powder

½ teaspoon salt

½ cup powdered sugar

1. In large bowl, mix oil, chocolate, granulated sugar and vanilla. Stir in eggs, one at a time. Stir in flour, baking powder and salt. Cover; refrigerate at least 3 hours.

2. Heat oven to 350°F. Grease cookie sheet with shortening or cooking spray.

3. Drop dough by teaspoonfuls into powdered sugar; roll around to coat and shape into balls. Place about 2 inches apart on cookie sheets.

4. Bake 10 to 12 minutes or until almost no imprint remains when touched lightly in center. Immediately remove from cookie sheets to cooling racks.

Recipe makes six dozen cookies. Enjoy!

*Recipe from Betty Crocker (www.bettycrocker.com)

Dec. 1, 2010

CTA Member Benefit of the Week:

CTA Endorsed Credit Unions

Many members may be thinking about their finances this time of year – increasing savings, loans, refinancing, etc. CTA has endorsed two credit unions that may be able to provide the services you are seeking.

First Financial Credit Union (14 branches in Southern California) (800) 537-8491, www.ffcu.org/cta

Savings Accounts
Auto Loans and Personal Loans
Checking Accounts with Free Checks for Life
Auto Buying Service
Teacher Grant Program
Free Online Banking
Free Bill Pay Service & eStatements
Service ratings among the highest in the industry--over 97% of members would recommend FFCU

Provident Credit Union (19 branches in Northern California) (800) 632-4600, www.providentcu.org

· Savings accounts

· Mortgage, home equity, and personal loans

· New Member Loan

· Checking accounts

· Online banking

· Bill paying service

NEA Member Benefit of the Week:

WHIRLPOOL VIPLINK

$29.95 Delivery & FREE Old Appliance Haul Away!

Treat yourself to the new premium laundry Duet^® pair by Whirlpool, America's best-selling laundry brand*, and maybe a KitchenAid^® standmixer or coffee maker. Or, just in time for the holidays, cook with ease on the new KitchenAid^® double oven freestanding range!

As an NEA member you are eligible to receive substantial savings on these appliances and more through the VIPLINK^TM Program by Whirlpool Corporation.

Program benefits include:

	•	Special member pricing on familiar brands like Whirlpool ^®, Maytag^®, KitchenAid^®, Amana^® and Gladiator^®.
	•	Appliances delivered for one low price of $29.95. And, your new appliance will be unpacked, set in your desired location, and any old appliances will be hauled away for FREE - now through December 31, 2010.
	•	Convenient shopping on a secure website.

Log on to the NEA Member Benefits website at www.neamb.com and create a VIPLINK^TM member account to take advantage of these great savings and more! Enjoy the VIPLINK^TM Program from Whirlpool Corporation—the leading appliance manufacturer!

*Euromonitor International, 2009

CTA Member Benefit of the Week:

CTA Travel, Entertainment and Purchasing Discounts

Are you thinking about travel plans over the holidays? Your CTA membership provides travel services and entertainment discounts through TSA Special Member Services that can be of assistance. For travel offerings, visit TSA Travel at www.tsaspecialservices.com/travel.htm or call (800) 570-7877. TSA Travel provided by Corniche Travel. For discount entertainment tickets to exciting California attractions such as Disneyland, San Diego Zoo, and California’s Great America, visit TSA Special Member Services at www.tsaspecialservices.com. Order your tickets by calling TSA on (800) 537-8491.

NEA Member Benefit of the Week:

Gov Connection—A Great Deal Especially for NEA Members!

Lenovo and GovConnection have partnered to provide you a great deal on a great laptop—with a free AC adapter and carrying case are included!

In addition there are other exclusive NEA deals and everyday low prices on all the technology gadgets, cameras, accessories, TVs you need for the holidays! Visit our site and see for yourself at www.govconnection.com/neamembers

Have a great week!

News from The Standard

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CTAINVEST.ORG CHAPTER RESOURCES

CALCULATORS VIDEOS 403(b)/457 GUIDE

2011 Annual Plan Contribution Limits Remain Unchanged for 403(b) and 457 Plans

The IRS announced that 2011 annual elective deferral (contribution) limits for 403(b) or 457(b) plans remains unchanged at $16,500 and the annual catch-up contribution amount for participants age 50 and older is also unchanged at $5,500.

Contribution Limits for 2011

Contribution Limit

Age 50 Catch-Up

Other Catch-Up Provisions

403(b)

$16,500

$5,500

15-year rule*

457

$16,500

$5,500

3-year provision**

* Eligible employees with 15 or more years of full-time service may be able to contribute up to $3,000 more for five years, or a maximum of $15,000.

** Employees may be eligible to defer up to two times the contribution limit in effect for the final three years of service. Employees cannot participate in the 3-year catch-up and the 457 plan age 50+ catch-up during the same tax year.

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CTA Member Benefit of the Week:

CTA Member Benefits is highlighting the CTA Well-Baby Program which provides expert resources to eligible CTA members and their pregnant spouses or domestic partners. This program offers The Mayo Clinic Guide to a Healthy Pregnancy Book, access to the Ask Mayo Clinic 24-hour toll-free nurse line, and access to a Mayo Clinic Pregnancy Advisor nurse available by phone throughout the pregnancy and three months post-partum. This benefit is available free to eligible CTA members enrolled in either the voluntary CTA group life or disability plan with The Standard and to their spouses/domestic partners. Please note, enrollment is only acceptable through the 20th week of pregnancy. However, if you are a CTA member or the spouse/domestic partner of a CTA member who is past 20 weeks of pregnancy, a one-time late enrollment opportunity will be accepted as long as the CTA member is within the first 120 days of new employment. For enrollment in the CTA Well-Baby Program, contact 800-906-1064. Please visit Member Benefits at www.cta.org for additional information or contact us at 650-552-5200.

NEA Member Benefit Article of the Week:

TIPS ON HOW TO NEGOTIATE WITH YOUR CREDITORS

Let’s face it—we live in a credit-dominated society. Most of us can pay cash for our daily living expenses, but when it comes time to make a major purchase such as a house or a car, we need a thick credit file with a long history of responsible payments. Credit is a convenience that keeps us from having to carry large amounts of cash, and also allows us to buy now and pay later. Admittedly, many people have taken that perk to an extreme, but used appropriately, credit can be our friend.

Many consumers are now faced with having their existing lines of credit impacted by changes to the terms of their account. Higher interest rates, lower spending limits, increased minimum monthly payments, or even closed accounts have put many on the financial ropes. If the terms of your account have been altered, the National Foundation for Credit Counseling (NFCC) makes the following recommendations:

Ask for an explanation. Everyone deserves to know why the terms of their account were changed, so definitely inquire. Among other things, the creditor may close an account due to inactivity, because you no longer fit their business model, because you’ve become too much of a risk, or you’re no longer profitable.
Fight to get your previous terms reinstated. If you’ve had a sporadic pay history, are at or near your credit limit, or rarely use the card, you may not have a leg to stand on. However, if you’ve been a good customer, it’s worth it to call the issuer and plead your case, but you must have your financial ducks in a row before picking up the phone.
Build your case before you call. Know how long you’ve been a customer, the amount you usually charge each month, and underscore your good payment history.
Prove that you’re worth having. Get your credit report for free from www.annualcreditreport.com. Review it for accuracy. After all, you want to make sure that you and the creditor are seeing the same information. Next, pay the few dollars it costs to get your credit score. If you have a solid credit report and high credit score, you should be just the kind of customer any issuer wants.
Be prepared to negotiate. Know what you want before you call, and be willing to negotiate if you have to. In other words, if your interest rate has been raised and your credit limit has been lowered, start off asking that both be returned to the previous levels. However, figure out in advance which is more important to you. Do you need a low rate because you carry a balance over from month-to-month, or does a high line of credit matter more to you? If you end up in a stand-off with the creditor, you’ll know where to give.
Ask for a supervisor. If you’re not getting the answers you want, move up the ladder until you either get what you’re after, or are convinced they are going to stand firm with their decision.
Inquire about the opt-out clause. If it makes more financial sense to do so, ask to have your account closed, with you continuing to pay the balance under the former terms. This option is often the right one for consumers who have had their interest rate or minimum payment raised to an unmanageable level. If it’s going to be a true financial hardship to meet the new terms, then it’s better to close the account.

Even though having more plastic can equal more temptation, it might be smart to have a back-up card in case you lose charging privileges on your primary card. Another card can be a safety net that will keep your access to credit open. Credit can be difficult to obtain, so testing the waters by applying for one more card – not a wallet full - before you actually need it will provide a degree of comfort during these uncertain times.

For help making sound financial decisions, building a budget you can live with, or assistance digging out of debt, reach out to a trained and certified counselor at an NFCC Member Agency. To find the location closest to you, call toll-free to the NEA dedicated line at (866) 479-NEA2 (6322), or go online to the special Web page for NEA members at www.neamb.com/debtadvice.

If you are dealing with pressing financial issues or simply have some financial questions, NEA Member Benefits (NEA MB) has a solution. NEA MB has teamed with the National Foundation for Credit Counseling (NFCC) to provide both free and very affordable financial tools and services to NEA members and their families. Whether it’s one-on-one counseling or an educational workshop, an NFCC member agency can provide you with the financial assistance you need. Take the first step toward securing your financial future—call the dedicated NEA member line toll-free at 866-479-NEA2 (6322) or visit the special Web page for NEA members at www.neamb.com/debtadvice . Help is just a call or click away.

Don’t Get Confused

During benefits selection season you are presented with many offers for insurance products. It is important to remember that there is only one CTA-endorsed provider of Disability and Life Insurance, Standard Insurance Company. More than 85,000 of your peers have chosen to protect their loved ones and way of life with quality products from The Standard. To learn more, visit www.cta.org/thestandard or call The Standard’s dedicated CTA Customer Service Department at 800.522.0406 (7:00 a.m. to 6:00 p.m. PST).

Enrollment opportunity for new hires is ending soon

If you’re a newly hired CTA member, or if you have transferred to a new district, you have a special, limited-time opportunity to get Disability and Life insurance coverage from the only CTA-endorsed provider, Standard Insurance Company. During your first 120 days of new employment, you can get Disability Insurance and/or up to $200,000 of Life Insurance. Don’t miss this limited-time opportunity. Visit www.cta.org/thestandard to learn more and apply. Make sure you are registered with CTA’s website, www.cta.org. You will need your CTA Individual ID (located on your CTA membership card) to register, gain access to information and apply on-line.

Limited time opportunity to switch your coverage to the CTA-endorsed plans

Until November 30, 2010 you can switch your Disability and Life insurance coverage to the CTA-endorsed plans offered by Standard Insurance Company. It’s easy. Simply provide proof of your existing coverage with your application and you can transfer coverage.

Did you get married? Have a baby?

Congratulations! Remember that within 31 days of a Family Status Change, you can add or increase Life Insurance coverage up to $200,000 and/or add Disability coverage. Family Status Change includes birth/adoption, marriage/domestic partnership and other qualifying events. For more information about this enrollment opportunity, or to file a maternity Disability claim, visit us at www.cta.org/thestandard.Make sure you are registered with CTA’s website, www.cta.org. You will need your CTA Individual ID (located on your CTA membership card) to register, gain access to information and apply on-line.

For costs and further details of the coverage, including exclusions, benefit waiting periods and 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 (7:00 a.m. to 6:00 p.m. PST).

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Enterprise Rent-A-Car

If you are planning on traveling over the holidays, keep in mind that CTA Member Benefits offers discounts on car rentals for members.

This program provides for rentals at a defined flat rate as low as $33.00 a day, regardless of location. While it does not include other potential rental related charges, like optional insurances, the flat rate is very competitive particularly in areas where vehicle rentals are usually the highest, including major airports.

It's fast and easy to make arrangements for your car rental needs nationwide with Enterprise Rent-A-Car!

Online:

- Visit www.enterprise.com

- Enter your Account Number: NACA068

- Enter CTA as the Company Name

By phone:

- Call (800) RENT-A-CAR for the nearest branch

- Provide your Account Number: NACA068

- Make your reservations with the rental branch

Visit www.cta.org to obtain more information about the CTA Rental Car Program through Enterprise Rent-A-Car

Whirlpool Corporation VIPLINK Program

Save on popular consumer brands from Whirlpool Corporation.

As an NEA member, you have an opportunity to receive substantial savings along with special promotions using the VIPLINK™ Program from Whirlpool Corporation. You can choose from hundreds of popular consumer products for your home from recognized brands such as KitchenAid^®, Maytag^®, Amana^®,Whirlpool^®, Gladiator^®GarageWorks and more.

With this program you’ll enjoy the following benefits:

Special member prices
Convenient shopping on a secure website
Easy payment with your Visa or MasterCard
Low cost delivery and installation or free pick-up at designated Whirlpool locations*

You and your immediate family members can purchase up to 12 products every year.* Save on appliances, accessories and other products, all from the most popular brand names in the appliance industry.

Ordering is easy!

     1. Sign in above to receive your NEA GROUP CODE
     2. Go to the website: http://partners.whirlpool.com/
     3. Select the “Create An Account” option
     4. Enter the NEA GROUP CODE
     5. Complete required fields
     6. Select “Submit” and begin shopping!

If you have any questions, or would like to place an order by phone, please have your NEA Group Code and call Whirlpool VIPLINK customer service at 1-866-808-9274. Mon-Fri 8:00 a.m. - 4:30 p.m. (ET).

* Terms and Conditions

There is usually one home delivery charge for an order with one or more major appliances. Additional charges are incurred based on the type of delivery selected by the NEA member.

At present, registration in the program is available to NEA members who reside in the continental U.S. Members may purchase up to 12 products per calendar year as necessary for themselves and/or their family members for delivery in the continental U.S. Only the eligible NEA member can log onto www.partners.whirlpool.com to make a purchase.

Do not share the group code, user ID or password information with anyone outside of the program. Sharing VIPLINK™ Program pricing and information with dealers, trading partners or other people not involved with the program may lead to suspension of privileges.

This is a partial list of the Terms and Conditions. You are required to read and agree to all VIPLINK Program Terms & Conditions before purchasing any item from the VIPLINK Program.

SOURCE: http://www.neamb.com/home/1207_4464.htm

NEA DISCOUNT$ AND $AVING$

As a CTA member, remember that you are eligible for several great discounts through NEA Member Benefits in addition to those that you enjoy with CTA. The following is just a sampling of the fantastic deals negotiated for you and 3.2 million NEA members. Enjoy the fun and the savings! Visit the NEA website for additional deals and information at: http://www.neamb.com/home/productsAndServices_750.htm?category=Discounts.

Costco Wholesale – Special savings for members and their families

Whirlpool Corporation VIPLINK Program – Huge savings on popular consumer brands from Whirlpool Corporation

Snap Fitness – NEW! Get in shape for less at Snap Fitness. Exclusive NEA member benefits include a 10% discount on monthly dues and no enrollment fee.

Jenny Craig – NEA members and their eligible dependents can save with Jenny Craig.

1-800-FLOWERS.COM – NEA members enjoy a 20% savings every day on flowers, plants, gift baskets, gourmet foods, confections, and plush stuffed animals.

H&R Block – Save on do-it-yourself tax software or in-office tax preparation by an H&R Block professional.

New York & Company – NEA members save 15% every day!

The Walking Company Exclusive Online Offer – NEA members can save up to 15% off all online purchases.

NEA Magazine Service® - Save up to 85% off the cover price of over 900 popular magazines.

Collette Vacations - Travel the world and save with Collette Vacations, a leading provider of over 120 tours, family cruises and weekend getaways.

NEA Bookstore® - Save an extra 5% at Barnes&Nobel.com on books, music, videos and more. Free shipping on eligible orders of $25 or more.

NEA Click & Save® - Save online at hundreds of your favorite stores.

SmileMakers - Save an additional 5% on your classroom supplies, plus free shipping on stocked items.

NEA Hearing Aid Savings Plan - Special discounts for members and their families

NEA Vision and Prescription Savings Plan - Discounts on vision needs and prescriptions

NEA Long Distance - Get rates as low as 3.9¢ per minute on state-to-state calls. No monthly fees.

NEA ID Theft Protection Program - Protection for you and your family members

Nolo Legal – Get a 5% discount from the leading publisher of self-help legal publications, software, and forms.

Weekly Reader – Special savings on classroom magazines

For more information, call toll free: 1-800-637-4636, Monday-Friday, 8 a.m. to 8 p.m. or Saturday, 9 a.m. to 1 p.m., ET

Visit the NEA website for additional deals and information at: http://www.neamb.com/home/productsAndServices_750.htm?category=Discounts.

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Friendly Reminders from The Standard!

The Standard is available to answer any of your questions about coverage. Their dedicated CTA Customer Service Department can be reached at 800.522.0406 from 7:00 a.m. to 6:00 p.m. Pacific Time or write to ctaservice@standard.com with any questions or concerns.

Planning to retire this year?

As you prepare for this new chapter in your life please don’t forget that you and your loved ones can continue a portion of your current, active CTA-endorsed Life Insurance if you maintain a CTA-NEA Retired Lifetime Membership and apply within 120 days of retirement. To get more information, contact The Standard’s dedicated CTA Customer Service Department at 800-522-0406.

Wedding or baby due?

Congratulations! Remember that within 31 days of a Family Status Change, you can add or increase Life Insurance coverage up to $200,000 and/or add Disability coverage, all without providing proof of good health. Family Status Change includes birth/adoption, marriage/domestic partnership and other qualifying events. For more information about this enrollment opportunity, or to file a maternity Disability claim, visit us at www.cta.org and click through to The Standard.

Organizing your desk?

Make sure to call The Standard if you’re moving to a new address or needing to make changes to your beneficiary designation. It’s important to keep your records up-to-date, and it’s easy to do. Simply call The Standard’s dedicated CTA Customer Service Department at 800-522-0406.

Questions?

Call The Standard’s dedicated CTA Customer Service Department at 800.522.0406 (TTY), 7:00 a.m. to 6:00 p.m. Or, email ctaservice@standard.com. And if you haven’t taken a look at CTA’s Web site, visit www.cta.org for more information.

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Exceptional savings just in time for the Holidays can be yours through NEA Click & Save, an exclusive online shopping service that offers you savings from hundreds of top retailers and online stores. You'll find great offers on everything from apparel and jewelry to travel and electronics.

Activating your account is easy and, best of all, it's completely FREE. So let's get started with a sneak peek at just a few of today's offers:

Unbeatable Discounts! Save up to $898 on your favorite Lenovo laptops - Now with Windows® 7!	Shop the Banana Republic Sale section and save up to 50%	Make Dining Out Affordable: Get $25 Gift Certificates for $8 each

Save 10% on Fine Jewelry Plus Free FedEx Shipping	Save 10% on your next order	Save up to 70%

Ready? Here's how to sign up for NEA Click & Save:
1. Register or Sign In at neamb.com
2. Look for the "Start Shopping" button(s); you will be taken to the NEA Click & Save website to select your username and password, and begin saving!

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Best Wishes during the Holiday Season!

News from The Standard

The New Year is nearing and as always, The Standard is available to answer any of your questions about coverage. Their dedicated CTA Customer Service Department can be reached at 800.522.0406 from 7:00 a.m. to 6:00 p.m. Pacific Time or write to ctaservice@standard.com with any questions or concerns.

Newly hired CTA member, or new to your district?

If you’re a newly hired CTA member, or transferring to a new district, now’s the time to get the coverage you need. During your first 120 days of new employment, you have a one-time opportunity to apply for Disability Insurance and/or up to $200,000 of Life Insurance – without showing proof of good health. This great opportunity is ending very soon - call The Standard’s dedicated CTA Customer Service Department at 800-522-0406 for more information.

Wedding or baby due this winter?

Congratulations! Remember that within 31 days of a Family Status Change, you can add or increase Life Insurance coverage up to $200,000 and/or add Disability coverage, all without providing proof of good health. Family Status Change includes birth/adoption, marriage/domestic partnership and other qualifying events. For more information about this enrollment opportunity, or to file a maternity Disability claim, visit us at www.cta.org and click through to The Standard.

Organizing your desk?

Craving something sweet?

Enjoy a delicious Chocolate Mint Smoothie recipe courtesy of The Standard.

2 c. milk, divided
1/4 c. instant cocoa mix
1/2 tsp. vanilla extract
1/8 tsp. peppermint extract
1 pt. vanilla ice cream

Heat 1/2 cup of milk until hot. Combine hot milk and cocoa mix in electric blender and process until smooth. Add remaining 1 1/2 cups milk, vanilla and peppermint and blend well. Add ice cream and process until mixture is smooth. Recipe makes 4 smoothies. Enjoy!

Questions?

Call The Standard’s dedicated CTA Customer Service Department at 800.522.0406 (TTY), 7:00 a.m. to 6:00 p.m. Or, email ctaservice@standard.com. And if you haven’t taken a look at CTA’s Web site, visit MyCTA at www.cta.org

Online Beneficiary Registration at MyCTA!

The CTA Death & Dismemberment Plan is designed to provide a life insurance benefit to Eligible Members of CTA.

- Provided by the CTA Economic Benefits Trust

- A Death Benefit of up to $2,000

- An Accidental Death and Accidental Dismemberment Benefit of up to $10,000

- A $50,000 Benefit if the member dies or suffers a dismemberment due to an accident or assault while engaged in any activity which was in the expressed or implied terms of his or her occupation, or while acting in the capacity of an Association Leader

- A life insurance benefit that increases with each year of continuous CTA membership, until the maximum benefit is reached after ten (10) years. You may name anyone as your designated beneficiary. To check to see if you have a beneficiary on file, or to designate or make changes to a beneficiary, simply click on My Profile under the My CTA tab at www.cta.org (login required).
By doing so, you will not only ensure that your designated beneficiary is registered, you will have personal security that comes with your CTA membership. This is not a complete description of the Plan. For a complete description, please refer to the booklet entitled “CTA Death & Dismemberment Plan and Summary Plan Description,” and to make a claim or for more information contact the
CTA Member Benefits Department at (650) 552-5200 or e-mail member_benefits@cta.org.

El Centro Elementary Teachers Association
2419 LaBrucherie Rd.
Imperial, CA 92251
760-355-4600

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