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Member Benefits
First Financial Credit Union
New teacher loan programs
Competitive rates on auto, home, and personal loans Checking, savings and certificates of deposit
Direct deposit
Deposits insured up to $100,000 by the National Credit Union Administration
Additional insurance coverage of $250,000 through American Share Insurance
For more information:
Visit our local Branch location:
10080 Alabama Street, Suite A
Redlands, CA
Our website: fffcu.org
E-Mail: mycu@fffcu.org Call:1(800) 537-8491
Legal Services - Personal
Y-CEA members are entitled to 1/2 hour of free personal legal consultation each year. Contact the Y-CEA office for more info.
Legal Services - Work Related
Legal services are provided for work-related issues. A referral must be obtained from the Y-CEA office. (909) 795-3320.
AUTOMATIC BENEFITS
CTA Death & Dismemberment Benefit
Provides members with personal security, rewarding individuals for their continuous years of Association membership. Provided at no cost to members.
Up to $2,000 in death benefits
Up to $10,000 in accidental death and dismemberment benefits (AD&D)
A life insurance benefit that increase with each year of continuous CTA Membership.
$50,000 Occupation/Association Leader Accidental Death & Dismemberment Benefit
For more information about the CTA Death & Dismemberment Benefit, call the CTA Risk Management and Member Benefits Department at 650-552-5200.
NEA Dues-Tab
Provides members with the following benefits:
Up to $1,000 in life insurance benefits
Up to $5,000 in accidental death and dismemberment benefits (AD&D)
Up to $50,000 in benefits if you die due to an accident or assault while at work*
Up to $50,000 in accidental death and dismemberment benefit for NEA Retired members, acting on association business in the capacity of association leader
* If death is caused by an unlawful homicide which occurs while the eligible member is engaged in any activity which is in the express or implied terms of an eligible member's occupation, the benefit payable is $150,000 instead of $50,000 for claims incurred after February 6, 2001
For more information about NEA-Dues Tab, call NEA Member Benefits at 1-800-367-4636.
PERSONAL INSURANCE
CTA Life Insurance Plan
Life and Health Insurance Foundation for Education suggests owning life insurance equal to five to seven times your annual salary
Most school districts do not provide coverage up to this level
The CTA Life Insurance Plan* offers members a flexible, level benefit plan that can help them supplement the coverage they may have through their district or other insurance sources.
Premiums start as low as $1.50 a month
Coverage options range from $25,000 to $400,000
Special offer: Premium-free coverage for the first 6 months in the $25,000 to $200,000 coverage options OR the first 3 months premium-free in the $250,000 to $400,000 coverage options. This special offer is available to new participants only.
Spouse and dependent coverage options are available
Advanced payments for critical illness
Beginning September 1, 2001, participants in the CTA Life Insurance Program are automatically eligible for the CTA Health Information and Wellness Program at no additional cost. Participants will receive an award-winning wellness book, periodic newsletters and access to a website for information on health and wellness topics on exercise, nutrition and self-care. The CTA Health Information and Wellness Program also includes a voluntary well-baby program providing expectant mothers educational materials and 24-hour nurse access to discuss pre-natal concerns and answer questions. When you retire, you can continue your life insurance coverage through the CTA Retiree Life Insurance Plan. The retiree plan has different benefit levels and premiums. For more information about the CTA Retiree Life Insurance Plan, please contact Provident Life and Accident at 1-800-282-4049.
Open Enrollment Opportunities
CTA members can apply for coverage at any time, however, their application will be subject to health evidence underwriting and insurance company approval unless they enroll during an Open Enrollment.
There are two Open Enrollment opportunities offered by the plan, when members do not have to answer the health questions on the application. During an Open Enrollment, if you meet the eligibility requirements of the plan, your application will be automatically accepted, up to the $200,000 coverage level.
1) For new teachers, during the first 120 days of their employment
2) For all Chapter members, if your Chapter conducts a successful enrollment campaign and the necessary participation requirements are met
For more information about the CTA Life Insurance Plan, call Provident Life and Accident, CTA's endorsed provider, at 1-800-282-4049.
* Effective September 1, 1998, the life insurance plan changed from a decreasing term to a level term benefit design. Members who enrolled in the CTA Decreasing Term Life Insurance Plan prior to September 1, 1998 can convert their coverage to the new CTA Level Term Life Insurance Plan during an open window each year. Watch for direct correspondence from Unum Provident or contact them at 1-800-282-4049.
This is a brief description of the CTA Life Insurance Plan and is subject to the provisions of the plan certificate.
CTA Disability Insurance
Most school districts do not provide disability insurance coverage for their employees.
Teachers are not covered under the State Disability Insurance program.
Disabilities include pregnancy, injuries that prevent you from working (such as a broken leg or back injury) and long-term illnesses (such as cancer).
The CTA Disability Plan provides benefits to members when they are sick or injured and unable to work. The Plan's benefits include:
A waiting period of seven consecutive working days or 30 calendar days, whichever is less.
$25 a day during fully paid sick leave.
$35 a day for hospital stays, no waiting period. (up to a maximum of 60 days)
Up to 75% of your daily contract salary (coordinated with other income), includes coaching pay and summer school pay.
Beginning September 1, 2001, participants in the CTA Disability Insurance Program are automatically eligible for the CTA Health Information and Wellness Program at no additional cost. Participants will receive an award-winning wellness book, periodic newsletters and access to a website for information on health and wellness topics on exercise, nutrition and self-care. The CTA Health Information and Wellness Program also includes a voluntary well-baby program providing expectant mothers educational materials and 24-hour nurse access to discuss pre-natal concerns and answer questions. Click here for more information
Open Enrollment Opportunities
CTA members can apply for coverage at any time, however, their application will be subject to health evidence underwriting and insurance company approval unless they enroll during an Open Enrollment.
There are two Open Enrollment opportunities offered by the plan, when members do not have to answer the health questions on the application. During an Open Enrollment, if you meet the eligibility requirements of the plan, your application will be automatically accepted.
1) For new teachers, during the first 120 days of their employment
2) For all Chapter members, if your Chapter conducts a successful enrollment campaign and the necessary participation requirements are met
For more information about the CTA Disability Insurance Plan, call Provident Life and Accident, CTA's endorsed provider, at 1-800-282-4049.
This is a brief description of the CTA Disability Insurance Plan and is subject to the provisions of the plan certificate.
CTA Homeowners Insurance
CTA members participating in the CTA Homeowners or Renters Insurance program enjoy the following:
A 10% rate differential between member and non-member rates
An additional 10% discount off your homeowners insurance premium if you have both your auto and homeowners insurance policies with California Casualty
Special policy enhancements tailored especially for educators, such as $5,000 computer coverage and coverage for personal property in the classroom
24-hour emergency claim service
A monthly payment plan with summer skip options
For more information about the CTA Homeowners Insurance program and a free no obligation quote, call California Casualty, CTA's endorsed provider, at 1-800-800-9410.
CTA Auto Insurance
CTA members participating in the CTA Auto Insurance program enjoy the following benefits:
A 28% rate differential between member and non-member rates
A longevity discount - if you have been covered by another carrier for three or more years, you may be eligible for this discount up to a maximum of 12% off your premium
An additional 10% discount off your homeowners insurance premium if you have both your auto and homeowners insurance policies with California Casualty
24-hour emergency claim service
A monthly payment plan with summer skip options
For more information about the CTA Auto Insurance program and for a free no obligation quote, call California Casualty, CTA's endorsed auto and homeowner's insurance provider, at 1 (800) 800-9410.
This is a brief description of the CTA Auto Insurance program and is subject to the provisions of the policy certificate.
FINANCIAL & DISCOUNT SERVICES
Travel, Entertainment & Purchasing Discounts
Members can save money by taking advantage of the CTA travel, entertainment and purchasing discounts. The CTA Buying Guide lists the current discounts available to members.
Travel and Entertainment Discounts
Members can save money on international airfare, cruises, tours, hotels and rental cars.
Members can also save money on tickets to Disneyland and the new California Adventure Park, the San Diego Zoo, the Monterey Aquarium and other theme parks and entertainment attractions.
For more information on discounted travel programs, call TSA Travel at 800-570-7877, or to purchase discounted tickets to various entertainment attractions, call TSA at 800-537-8491.
Auto Purchasing Program
This program takes the hassle out of buying a new car, because the price of your vehicle has been pre-negotiated with the dealer. This program saves you time and money. Compare the price you get through the program to the car's sticker price - you can save thousands of dollars! For a personalized letter of introduction to the participating dealer nearest you, call 1-800-537-8491.
For more information, call Teachers Service Association (TSA), CTA's endorsed provider, at 1-800-537-8491.or visit their website at:
