Yes you are correct. I am a new teacher in LAUSD. Due to the fact that I am an intern, I had to take a one-week unpaid course given by the local union. During our meeting the selling point for us to join the union was so that we could get the $1 million dollar insurance policy to protect us in the event we had a problem in the classroom. Sounds great right? I'm trying to figure out what to do, drop out and be an agency fee payer or stay in and opt out so I can keep the insurance policy. I appreciate the info and help from this post.
And as far as the union insurance goes - are they underwritten by a major carrier? Or are they themselves the insurance company? Do they have a tax-exempt status?