2021 MTA All Member Disability Open Enrollment

MTA - 2021


Disability insurance pays a percentage of your salary so that you have an ongoing income if you become disabled and can't work and bring home a paycheck. Plans cover short-term and long-term conditions and you can enroll in either or both plans. Both require a time period before benefits will be paid, called the "elimination period".

Critical Illness & Accident

Critical Illness insurance can pay you a lump sum benefit at the first diagnosis of certain covered illnesses, including heart attack, stroke, major organ transplant, permanent paralysis, end-stage renal failure, coronary artery bypass surgery (pays a 25% benefit) and cancer (optional rider). Members up to age 69 who are currently working are eligible. You choose the benefit amount you want - from $5,000 to $50,000 in $1,000 increments. You can enroll your family members too.

Accident insurance pays a lump sum benefit based on the type of injury or covered incident you sustain or the type of treatment you need. This is a great option for families with an active lifestyle because it will help offset expensive costs like copays, deductibles and other expenses your medical insurance doesn't pay. It covers both work- and non-work-related injuries. There are no health questions to answer. You can enroll your family members too.