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Voluntary Benefit Plans

Employees have the option to enroll in several types of voluntary insurance and benefit plans.  These plans are entirely employee paid:

Accidental Death and Dismemberment (AD&D) - The Standard®

  • Accidental death & dismemberment plan, offered by The Standard®, pays a benefit to the employee or his/her selected beneficiary in the event of death due to an accident or dismemberment at a benefit level selected by the employee.
  • Offered to all regular benefit eligible CSU employees. Coverage for eligible dependent available at an additional cost.
  • Eligible employees can enroll at any time during the year and will not be subject to Evidence of Insurability.

For more information contact The Standard® customer service at 1-800-378-5745 or visit http://www.standard.com/mybenefits/csu.

Auto and Home Insurance - California Casualty

  • Auto and Home insurance is offered to all CSU employees, excluding Rehired Annuitants and Students, at a discounted rate through California Casualty. Coverage for eligible dependents is available at an additional cost.
  • Participants in the plan are provided with a free identity theft benefit known as ID Defense.
  • All policies are written for a 12-month period.

For more information or to apply, contact California Casualty customer service at 1-866-680-5142 or go to www.calcas.com/csu.

CalPERS Long Term Care Plan

  • Long-term care plans cover certain services provided in a setting other than an acute care unit of a hospital, such as a nursing home, residential care facility, adult day care center or in the home, according to the plan selected.
  • A person requires long-term care when he or she needs help with  two or more of the six Activities of Daily Living (ADLs): bathing, dressing, toileting, transferring (moving in and out of a bed, chair or wheelchair), eating or continence.
  • Three plans to choose from: (a) comprehensive, (b) facilities only, and (c) partnership.
  • Offered to all CalPERS employees, spouses, parents, parents-in-law and siblings (age 18 and older).
  • Entirely employee paid.
  • Contact the CalPERS Long-Term Care Program at 1-800-908-9119

Group Critical Illness Plan - Aflac

  • Group critical illness plan, offered by Aflac, provides a lump-sum payment to cover out-of-pocket medical expenses and costs associated with life-changes following the diagnosis of a covered critical illness.
  • Offered to all CSU employees, excluding Rehired Annuitants, Special Consultants, Hourly Intermittent employees and Students. Coverage is available for eligible dependents.
  • Employee must be covered under a comprehensive health insurance plan or Health Maintenance Organization (HMO).

For more information or to apply, contact Aflac at 1-800-433-3036 or go to www.aflac.com/csu.

Life Insurance - The Standard®

The CSU offers employee-paid voluntary life insurance through The Standard® to all eligible employees. Employees may purchase protection for themselves and eligible family members including spouse/domestic parent and dependent children:

  • Employee coverage range: $10,000 - $1,500,000.
  • Spouse or domestic partner coverage range: $10,000 - $750,000.
  • Coverage for children: $5,000, $10,000 and $20,000 (all your children must be insured for the same amount).

New employees qualify for Guarantee Issue coverage if coverage is applied for within 60 days of start of employment. Under the Guarantee Issue provision, employees may apply (without answering medical questions) for coverage up to:

  • $150,000 for themselves
  • $50,000 for their spouse/domestic partner
  • $20,000 for each child

Amounts in excess of the Guarantee Issue, up to the maximum limits, may be chosen and require evidence of insurability.

For more information contact The Standard® customer service at 1-800-378-5745 or visit http://www.standard.com/mybenefits/csu.

Long Term Disability - The Standard®

  • Voluntary Long-Term Disability plan, offered by The Standard®, provides loss of income protection (up to 60%) due to a qualified disability.
  • All benefit eligible employees who are not eligible for the CSU-paid LTD plan may apply.
  • Two plans are offered, one with a 30-day and one with a 90-day waiting period.

For more information contact The Standard® customer service at 1-800-378-5745 or visit http://www.standard.com/mybenefits/csu.

MetLaw® Legal Plan

  • MetLaw® plan, offered by MetLife, covers representation for many personal legal services for employees and their eligible dependents.
  • Offered to CSU employees, excluding Rehired Annuitants, Special Consultants, Hourly Intermittent employees and Students. Eligible dependents are covered at no additional cost.
  • Members are required to remain in the plan for a full benefit plan year.
  • Covered legal services performed by a Network attorney are fully paid for by the plan. Out-of-Network attorney fees for covered services are reimbursed based on a set fee schedule.

For more information, contact MetLife customer service at 1-800-438-6388 or go to www.metlife.com/mybenefits.