NATCA LONG TERM DISABILITY BENEFIT provides members the option to participate in group Long Term Disability Coverage.  

This coverage is specifically designed for NATCA Members.  It is unique in that it covers LOSS OF MEDICAL CERTIFICATE (coverage begins after the selected waiting period).  

The coverage is Underwritten by Unum, a major disability insurance carrier in the United States.

Have you considered what would happen to your family if you became sick or injured and could not work?
Long Term Disability insurance can be the most important part of your overall benefits package, and NATCA offers members the opportunity to purchase it at affordable group rates. Keep in mind…since you pay premiums with after-tax dollars, any disability benefits that you receive from this group plan are tax-free, under current tax laws, for this group plan!

A disability probably won't happen to me.
Disabilities can happen to anyone, anywhere at any time. One out of three Americans can expect to have a sickness or disability lasting at least 90 days at some time during his or her career.¹

Benefit Details here.

B4 Enrollment form 

¹ Applies to disabilities occurring before age 65. Source: Commissioner's Individual Disability Table A. Society of Actuaries, 1985. The society's 1985 statistics are the current standard for income protection risk evaluation and policy pricing throughout the insurance industry.

DURING THE 2009 OPEN ENROLLMENT PERIOD, we added 2 new products!

Accident insurance helps pay deductibles, coinsurance and copayments when you or a family
member have a covered accident. This helps bridge the financial gap until your long term disability begins or simply to help pay your deductible, coinsurance and copayments when you or a covered family member have an accident.

Accident plans pay a lump sum benefit payment to the insured not to the provider! The plans are guaranteed renewable and coverage is available for NATCA Members, their spouse and children.

These are individual insurance policies that you take with you when you retire!

Below is a examples of when benefits are payable:
› Ambulance (land and air)
› Dislocated bones
› Fractures
› Torn Knee cartilage
› Tendon/ligament and rotator cuff surgeries
› Hospital confinements
› Emergency room visits
› Follow up physical therapy for accidents
› Concussions

THIS BENEFIT IS PAID FROM YOUR CHECKING ACCOUNT YOU WILL NOT PAY THIS THROUGH EMPLOYEE EXPRESS.

People’s lives tend to be in more of a state of confusion when they are diagnosed with a critical illness. Why did it happen to me? What treatment options are available? How can I afford the cost?

Critical Illness insurance helps when you are most vulnerable – upon diagnosis of a critical illness. Reduce the stress of financial questions by having a lump sum benefit direct to you. This insurance provides you with financial flexibility to make treatment decisions and reduces stress and anxiety at a time when you don't need them.

These are individual insurance policies that you take with you when you retire!

Here are examples of when benefits are paid:
› Cancer
› Heart Attack
› Stroke
› Major Organ Transplant
› Paralysis
› Kidney failure (End State Renal Disease)

Get paid for being healthy!

NATCA Members will get $50 per calendar year when they have routine screening tests. It’s like getting paid to go to the doctor!

THIS BENEFIT IS PAID FROM YOUR CHECKING ACCOUNT YOU WILL NOT PAY THIS THROUGH EMPLOYEE EXPRESS.