CEAI In-Dues Professional Liability Plan

The Christian Educators Association International’s in-dues professional liability plan is the solution to uncertain or inadequate liability coverage. You’ll have peace of mind knowing that if your school district doesn’t have sufficient coverage or refuses to defend you, your back-up plan is in place. Your association’s affiliation with the Trust for Insuring Educators (TIE) makes this valuable member benefit possible.
 

Features

Your in-dues plan:
 

• Pays up to $1 million for damages arising from professional liability and employment liability lawsuits.
• Pays defense costs in addition to the liability limit for professional liability lawsuits.
• Covers claims brought at any time, as long as the act or omission that resulted in the claim occurred while your policy was in effect.
• Provides coverage as long as you remain a CEAI member in good standing and CEAI continues to offer this professional liability plan as an in-dues member benefit.

What’s Covered

The in-dues plan protects you against a broad range of exposures associated with your educational duties, such as:
 

• Injuries to students under your supervision
• Improper placement of students
• Hiring unqualified people
• Defamation
• Failure to educate
• Failure to promote students or grant credit
• Violation of student civil rights
• Improper methods employed in instruction, counseling, research design, etc.
• Negative consequences in implementing the recommendations of research studies

Legal Assistance Benefits

If you are threatened with a job action, such as termination, suspension, reassignment or demotion, the plan’s Job Protection Benefits will pay:
 

• Up to $500 for your initial consultation with an attorney
• Up to $750 of the cost of having an attorney represent you at a formal hearing of a school board or other authority
• Up to $4,000 for legal fees, subject to a $100 deductible, if you decide to sue because of the job action and the judgement in the suit is in your favor. Up to $750 is available to you regardless of the suit’s outcome.

After a $100 deductible, the plan also pays 90 percent of your attorney’s fees if you:
 

• Are sued by an employee you supervise regarding a covered personnel matter (limit of $5,000 per policy period).
• Are accused of sexual misconduct, provided you are found not guilty or the charges are dismissed (limit of $35,000 per claim / $35,000 aggregate per policy period).
• Face criminal charges arising out of corporal punishment, provided you are found not guilty or the charges are dismissed (limit of $10,000 per claim, per policy period).
• Are named in a lawsuit seeking non-monetary relief (limit of $35,000 per claim, per policy period).

Other Insurance

The insurance provided by CEAI’s in-dues professional liability plan is excess of any other valid and collectible insurance or indemnity you might have with regard to the claim, including coverage provided by your school district and/or school board.
 

Eligibility

• You must be a member in good standing of the Christian Educators Association International and a full-time or part-time, W-2 employee of a school, college or university, and the job must be your main occupation.
• If you are a registered nurse, a licensed/certified school psychologist or a physical therapist, you must be performing medically-related teaching or services in the normal course of your duties as an employee of a school to be eligible for coverage.
• School board members and owners of private schools are not eligible.
• If you are an educator in private practice or an independent contractor, you are not eligible for this program.

Please contact the plan administrator at (800) 821-7303 for information about professional liability plans for which you may be eligible.
 

How to Apply

Click here to apply on-line or call CEAI at 1-888-798-1124.
 

CEAI Professional Liability Upgrade

CEAI members may purchase one of the following upgrades to the in-dues plan:
 

• Part-time coverage – adds coverage for part-time educational activities (such as consultant, tutor, teacher) for a $50 annual premium.
• $1 million additional benefit – increases your professional liability coverage to $2 million for a $30 annual premium.
• $1 million additional benefit plus part-time coverage – increases your professional liability coverage to $2 million, and provides coverage for your part-time educational activities, for a $75 annual premium.

Eligibility

To be eligible for the optional part-time coverage, the following requirements must be met:
 

• Your primary employment must be with an educational organization.
• Your part-time or secondary job must be educational and not medically related, and must fall within the same underwriting guidelines as your main occupation.
• You must receive payment for the job.

Registered nurses, licensed/certified school psychologists and physical therapists performing medically related teaching or service in the normal course of their duties as an employee of a school, university or college are not eligible for part-time coverage.
 

Additional Benefits

When you upgrade to $2 million in liability coverage, you receive the following additional or increased coverage:
 

After a $100 deductible, the plan also pays 90 percent of your attorney’s fees if you are accused of sexual misconduct, provided you are found not guilty or the charges are dismissed (limit of $50,000 per claim / $100,000 aggregate per policy period).

The Educators Professional Liability Plan is made available through your professional association’s participation in the Trust for Insuring Educators (TIE), which consists of more than 60 educational associations comprising more than 1.5 million members. The material herein is provided for informational purposes and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued through Forrest T. Jones Company, Inc., its affiliates or the insurance companies represented. All conditions of coverage, terms, and limitations are defined and provided for in the policy issued to you. Programs and products may not be available in all states; policy features may vary by state or other circumstances and are subject to change without notice.

Effective Date

• The plan becomes effective the date your membership is accepted by CEAI.
• Your plan provides coverage for claims brought at any time, as long as the act or omission that resulted in the claim occurred while the policy was in effect.

Limitations

This plan is available to members residing in the United States and the District of Columbia.
 

How to Apply

Click here to apply on-line through Forrest T. Jones & Co. website.
 

Filing a Claim

Please contact CEAI at 1-888-798-1124 for instructions on how to proceed.
If you are named in a suit and you anticipate incurring legal fees you will be directed to contact Forrest T. Jones & Company, the plan administrator, at (800) 821-7303 ext. 1123 for assistance in filing a claim. Copies of all legal documents, papers and invoices should be mailed to:
CEAI Professional Liability Program
c/o Forrest T. Jones & Company,
Attn: P&C Dept.
3130 Broadway
Kansas City, MO 64111-2406.

Payment Options

You may pay by check or credit card (MasterCard or VISA) at the time of application.
You will receive a renewal notice in the mail in advance of your upgrade policy’s termination date.

The Educators Professional Liability Plan is made available through your professional association’s participation in the Trust
Insuring Educators (TIE), which consists of more than 60 educational associations comprising more than 1.5 million members.
The material herein is provided for informational purposes and is not intended to be a representation of coverage that may exist in any particular situation under a policy issued through Forrest T. Jones Company, Inc., its affiliates or the insurance companies represented.
All conditions of coverage, terms, and limitations are defined and provided for in the policy issued to you. Programs and products may be available in all states; policy features may vary by state or other circumstances and are subject to change without notice.
 

Group Term Life*

Whether you're buying term life insurance for the first time or increasing the coverage you already have, don't miss this valuable opportunity to request up to $750,000 of coverage at competitive rates for association members and spouses up to age 65. Reduced rates for non-smokers.
 

• Underwritten by New York Life Insurance Co., New York, NY. Policy form GMR-FACE-G6300 10-Year Level Group Term Life* This plan offers a high level of protection at affordable rates that are guaranteed not to change for the first 10 years of coverage. Up to $1 million of insurance is available for association members and spouses, and coverage can continue to age 80. A $10,000 benefit for eligible children is available on a non-guaranteed basis.
• Underwritten by New York Life Insurance Co., New York, NY. Policy form GMR-FACE-G291120 Group Disability Income Protection* If you can't work due to a covered disability, you can receive up to two-thirds of your salary to age 65. Choose a monthly benefit amount from $200 to $5,000. A fiveyear plan also is available
• Underwritten by New York Life Insurance Co., New York, NY. Policy form GMR-FACE-G5438 Group Accidental Death & Dismemberment Pays up to $300,000 for death from any covered accident. Pays DOUBLE for common carrier or profession-related travel accidents. Family coverage available.
• Underwritten by New York Life Insurance Co., New York, NY. Policy form GMR-FACE-G18692

*Not available in certain states or to residents of a foreign country. If you live in Canada or Puerto Rico, please call for product availability.
 

Comprehensive Health Insurance

Think you can't afford health insurance? Think again. Assurant's affordable plans include Health Saving Accounts, Family PPO Plans, and Employee Group
Health Plans. Call toll-free, (888) 715-6595 or visit www.assurantaffinity.com/ceai for your proposal.
 

• Underwritten by Assurant Health, Milwaukee, WI

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Identity Theft Protection

If you're an ID theft victim, you could spend months restoring your good name or use ID Theft Assist, the most comprehensive identity protection and recovery service available. One call to their 24-hour Service Center stops theft or fraud on your accounts. CEAI members get discounted rates of $99 per year for individuals and $119 for families. Visit www.ftj.com/ceai for more information or to purchase online.
 

Personal Auto

Mention your association and receive an 8% discount in most states on your auto insurance. Features include 24- hour claims handling, customized coverage, safety discounts and more. Call (800) 368-2734 for an immediate quote, or visit www.geico.com.
 

• Underwritten by GEICO General Insurance Company, Washington, D.C.

Long Term Care Insurance Evaluation Service

You and your loved ones can receive personalized, no obligation price and benefit comparisons of plans from several top-rated insurers, covering home health care, assisted living and nursing home expenses. Association discounts available on some plans.
 

Private Practice Liability Insurance

• designed for educators

Professional Liability Upgrade

(Supplement to Your In-Dues Program)
As a member of CEAI, you receive $1 million in professional liability insurance plus valuable job protection benefits. You can increase your liability protection to $2 million for only $30 per year, or for $75 per year, add coverage for your part-time educational activities. Full plan details are contained in the Master Policy, available online at http://www.ftj.com/CEAI. Or call (800) 821- 7303, ext. 123, to upgrade.
 

Private Practice Professional Liability

This affordable plan meets the needs of private-practice educators who are not directly employed by a school district. The plan offers quality liability protection and is available to individuals, partnerships and corporations.
Choose liability limits as high as $1 million per claim / $3 million aggregate per year. An optional Off Premises Liability endorsement now is available. Call (800) 265-9366 for current rates or to receive an application.

All of these plans are available to members of CEAI through Forrest T. Jones Insurance Co.
(The administrator of TIE -Trust for Insuring Educators) 1-800-821-7303

Complete information and applications for all products are available online at: www.ftj.com/CEAI

Visit their website at: www.ftj.com/CEAI

Other Insurance:

GEICO AUTOMOBILE INSURANCE ( is available for Teachers at discount rates.)
Free Rate Quote: 1-800-368-2734