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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) | $10,000 | $10,000 |
| 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:
- Waiver of premium for disabled employees
- Accelerated Benefits
- Portability
- Living death benefit
- Funeral Arrangements
- Travel Assistance
- Identity Theft Prevention
- Estate-Planning Assistance
- 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: