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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 or to enroll in the program, please visit The Standard® - My Benefits or call 1-800-378-5745 to speak with The Standard's designated CSU representative.

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.

Critical Illness Insurance -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).

For more information or to enroll in the program, please visit The Standard® - My Benefits or call 1-800-378-5745 to speak with The Standard's designated CSU representative.

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.
  • Employee-Paid Monthly Premium Rates:
    • Employee Only - $9.52
    • Employee/Spouse - $15.14
    • Employee/Child - $19.13
    • Employee/Family - $29.77

For more information or to enroll in the program, please visit The Standard® - My Benefits or call 1-800-378-5745 to speak with The Standard's designated CSU representative.

CalPERS Long Term Care Plan - Update

  • CalPERS 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

IMPORTANT INFORMATION REGARDING CURRENT STATUS OF CalPERS LONG TERM CARE:
CalPERS has currently suspended open enrollment in their Long-Term Care program due to the uncertainty in the long-care term market and is no longer accepting applications. CalPERS has release information on how current Long-Term Care Policyholders will be impacted by a 52% rate increase, along with details of members eligible for an award settlement in their current Class Action Lawsuit.  Additional information can be found on the website links provided below.

Long-Term Care Policyholders:

  • A rate increase of 52% will take into effect no earlier than November 2021 and will be phased in over two years. There may be a possible increase of 25%, if necessary that will occur no earlier than Fall of 2022.
  • The cause of an increase in rates is due to the Long-Term Care Fund taking a shortfall of $2.1 billion and only being 69% funded.
  • Long-Term Care Policyholders who cannot afford the rate increase are being offered benefit packages that may allow them to avoid the increase. The benefit packages will be offered 60 days before the rate increase goes into effect. For those who do not accept, a rate increase will take into effect on their November 2021 billing due date. The benefit packages include: reducing duration of benefits, reducing daily benefit amount and reducing inflation protection.
  • Individuals currently receiving long-term care will not be affected by the rate increase, should those individuals no longer need their long-term care services they will be subject to the rate increase.
  • Individuals may cancel at any time, however, no refunds on premiums will be provided.
  • Individuals who convert their policy in 2021 may still be subject to the 25% increase in 2022.

Class Action Lawsuit: Holly Wedding, et al. v. California Public Employees’ Retirement System, et al

  • Members included in the Settlement Class Action Lawsuit are: citizens of CA in February 2013, purchased an LTC Policy from CalPERS during period of 1994-2004 that included automatic inflation protection benefits and were affected by the 85% premium increase by CalPERS in 2013.
  • There are nine settlement benefits categories, the categories are based on member factors such as; current policy holders or those who have let policy lapse, member on claim or not on claim, paid premiums after a certain increase, or is living or deceased. Additional details on the nine settlement benefit categories can be found on the CalPERS Long-Term Care Class Action Settlement link below.
  • If approved by the court, the class members who opted into the settlement award are entitled to receive a refund of all paid premiums paid to CalPERS LTC Policy and must give up their policy OR have the option to have their premium refund issued to an insurance carrier and obtain a replacement in insurance policy.
  • Members who opt in the settlement benefit must complete an Award Acknowledgment Form by September 22, 2021. The Award Acknowledgment Form can be found here.
  • Members who wish to exclude or “opt out” of the settlement must complete and send a timely request for an Exclusion Form or a writing containing all required information no later than December 13, 2021. The Exclusion Form can be found here.

You can find additional information here:
CalPERS Long-Term Care
CalPERS Long-Term Care Policyholder Rate Increase FAQ
CalPERS Long-Term Care Class Action Settlement

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 or to enroll in the program, please visit The Standard® - My Benefits or call 1-800-378-5745 to speak with The Standard's designated CSU representative.

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 or to enroll in the program, please visit The Standard® - My Benefits or call 1-800-378-5745 to speak with The Standard's designated CSU representative.

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.
  • Available brochures:

For more information, contact MetLife customer service at 1-800-821-6400 or visit the plan website at MetLife - MyBenefits.

Nationwide pet insurance Nationwide Pet Insurance 

  • Nationwide is offering two benefit options for your pets. This pet 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.