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Basic Term Life and AD&D Insurance

The Standard Life Insurance Company (The Standard) is the CSU's insurance carrier for employer-paid basic term life and accidental death and dismemberment (AD&D) insurance. The CSU offers this employer-paid insurance to eligible employees within specified employee categories.

The amount of coverage varies by employee category:

Employee Category Basic Term Life Coverage AD&D Coverage
Physicians (R01) $25,000 $25,000
CSUEU (R02,05,07,09) $50,000 $50,000
Faculty (R03) $50,000 $50,000
Academic Professionals (R04) $25,000 $25,000
Public Safety (R08) $50,000 $50,000
Teaching Associates Only (R11) $50,000 $0
Confidential (C99) $50,000 $50,000
Management (M80) $100,000 $100,000

The Standard contains a number of enhanced coverage features, including:

  1. Waiver of premium for disabled employees
  2. Accelerated Benefits
  3. Portability
  4. Living death benefit
  5. Funeral Arrangements
  6. Travel Assistance
  7. Identity Theft Prevention
  8. Estate-Planning Assistance
  9. Financial Planning Assistance

Travel Assistance is a component of the CSU basic term life insurance coverage. It was designed to provide important resources, including evacuation services, arrangement of medical and/or legal care while traveling. Additional details of this benefit are outlined below: