How CTA-endorsed Disability Insurance Works with COVID-19 


For costs and further details of the coverage offered by Standard Insurance Company, including the exclusions, any reductions, benefit waiting periods or limitations and terms under which the policies may be continued in force, please contact Standard Insurance Company at 800.522.0406.

Standard Insurance Company, 1100 SW Sixth Avenue, Portland, OR 97204

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​If you have any questions, you can call our dedicated CTA Customer Service Department at 800.522.0406 (TTY) or contact the Voluntary Benefits Consultant for your region.

At The Standard, we continue to monitor and adjust our response to the COVID-19 pandemic. Even though the local and federal regulations are constantly changing, our focus has not — we are committed to providing continued support and the best possible experience for CTA members and leaders.

Recently we’ve seen an increase in questions about how CTA-endorsed Disability insurance works with COVID-19. The Standard’s Disability plan covers insured members if they are unable to work due to an injury, illness, pregnancy or childbirth. Because every situation is different, The Standard evaluates every claim on a case-by-case basis including claims related to COVID-19. However, here is some general information on how a COVID-19 diagnosis vs quarantine may be handled:

  • COVID-19 Diagnosis: if an insured member is diagnosed with COVID-19 and is unable to work due to that illness, they­ may be eligible to file a claim under the CTA-endorsed Voluntary Disability policy. Before the benefits become payable, their claim will be evaluated to ensure they meet all of the policy requirements. If they meet the definition of disability, the member will need to satisfy the benefit waiting period of 7 consecutive missed workdays before their benefits become payable. For information on how to file a claim:



Last updated: 1/21/2022


  • Watch this short video
  • For questions or to start a claim, contact our dedicated CTA Customer Service Team: 800.522.0406 (Monday – Friday, 7 a.m. to 6 p.m.)
  • COVID-19 Quarantine: if the member is not diagnosed with COVID-19 and is unable to work due to school closures or other quarantine-related reasons, they would not meet the definition of disability. In this case, the member will retain coverage and eligibility under the group policy should they eventually become disabled.

If you have any questions, our dedicated CTA Customer Service team is available at 800.522.0406 or ctaservice@standard.com, 7 a.m. to 6 p.m. Pacific Time, Monday through Friday.