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Voluntary Benefit Plans

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

Plans

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 The Standard - My Benefits.

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 1-866-680-5143 or go to California Casualty site.

Group Critical Illness Plan -The Standard®

Critical Illness Insurance helps employees manage expenses during a serious illness such as, heart attack, severe stroke or invasive cancer. Participants can use the benefit, which is paid to them in a lump sum for deductibles, copayments, rent or groceries as the employee or a family member recovers.

Critical Illness Insurance can pay up to $50,000 in benefits, covers 7 different serious illnesses and 21 childhood diseases.  There will be no health questions asked during the special enrollment period. Children are automatically covered at 50% of your elected amount. You may cover your spouse up to $30,000, not to exceed your amount. You will also be eligible for $100 Health Maintenance Screening benefits, up to twice per year (Age restrictions apply).

  • Group critical illness plan, will be offered through The Standard, which 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).

Helpful Links:

For additional information or to enroll in the program, please visit The Standard's website at the following link https://www.standard.com/mybenefits/csu/ or call 1-800-378-5745 to speak to The Standard's designated CSU representative.

Aflac will no longer be enrolling new participants in the Critical Illness plan.  Employees currently enrolled in Aflac's coverage can transfer to the new coverage with The Standard or stay with Aflac via direct pay.  For more information, refer to The Standard Employee CI Transition Letter.

Accident Insurance - The Standard®

The Accident insurance pays a lump sum directly to you so you can help cover out-of-pocket expenses as you or a family member recuperates after an accident. Enrolling in coverage now is a small thing you can do to help make sure you and your loved ones keep moving forward after an accident happens.

Accident Insurance can help with the costs that medical insurance doesn't cover if you're hurt in an accident. It covers your family 24 hours a day, includes a Youth Organized Sports benefit and pays an additional Health Maintenance Screening benefit for everyone on the coverage. Age restrictions apply for this coverage. You may choose to apply your coverage amount towards your deductible, copays, daily expenses during recover, or however you choose; there are no restrictions regarding how you use the benefit.

  • Accidents can happen when least expected, and while they can't always be prevented, you can have the financial support to make your recovery less expensive and stressful. This insurance, provided by The Standard, can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, and more.
  • As the new vendor for both Critical Illness and Accident Insurance, a special enrollment period will be held for The Standard in early 2020.
  • Employee-Paid Monthly Premium Rates:
    • Employee Only - $9.52
    • Employee/Spouse - $15.14
    • Employee/Child - $19.13
    • Employee/Family - $29.77

Helpful Links:

For additional information or to enroll in the program, please visit The Standard's website at the following link https://www.standard.com/mybenefits/csu/ or call 1-800-378-5745 to speak to The Standard's designated CSU representative.

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

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 The Standard - My Benefits.

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 The Standard - My Benefits.

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 vist the plan website at MetLife - MyBenefits.

Nationwide pet insurance Nationwide Pet Insurance 

  • Nationwide is offering two benefit options for your pets. This insurance can cover your pet's accidents, illness and even preventive care and wellness services.
  • Plans are available for dogs, cats, birds, small mammals and exotics (such as reptiles). 
    • Multiple policy discounts
    • Same price for pets of all ages and breeds
    • Unlimited 24/7 access to a veterinary professional through the vethelpline®
  • Employees can enroll during open enrollment and coverage will be effective January 1, 2020.

Click on the link to watch a quick video about the program: How Does My Pet's Plan Work?

To learn more about this plan and/or to enroll, visit www.petinsurance.com/calstate or call (877) 738-7874.