Accidents rank as the third leading causes of deaths in our country, according to the National Safety Council1. It may make sense to add extra protection for accidental deaths or injuries. The CSEA endorsed Group Accidental Death and Dismemberment Insurance Plan pays benefits to cover the unique costs associated with accidents – in addition to any coverage you already have. And accident protection is affordable – add up to $500,000.00 of protection for just pennies a day.
1National Safety Council, Injury Facts 2018
No because auto insurance protects your vehicle. And CSEA endorsed Group Accidental Death and Dismemberment Insurance Plan protects you. You're paid directly to spend the money as your family sees fit. Plus, the CSEA endorsed Group Accidental Death and Dismemberment Insurance Plan pays an extra benefit if you're wearing your seat belt. Collect up to an additional $10,000.00 (or 10% of your principal benefit, whichever is less) if you or a dependent die in an auto accident while wearing a seat belt.
No, you and your eligible family members are guaranteed coverage – regardless of your profession, lifestyle, hobbies, or travel habits.
Accident coverage is affordable, so many CSEA members get the maximum protection available — $500,000.00 for active employees or $200,000.00 for retirees.
The CSEA endorsed Accident Plan can pay up to $3,000.00 education benefits for your covered spouse to advance his/her education if you die from a covered accident. Plus, it can pay up to $2,500.00 each year for up to four years for your eligible children to attend high school or college if you die.
Benefits will be paid to you even if you suffer a covered injury at work and receive Workers Compensation benefits. The CSEA endorsed Accident Plan pays benefit for any covered accident – 24 hours a day, anywhere.
Retired CSEA Members often enjoy active lifestyles such as traveling, participating in sports, completing home projects and even starting second careers. That's why CSEA retired members are guaranteed coverage up to $200,000.00.
You decide who collects your benefits by designating your beneficiary on your Enrollment Form. If you do not name someone, your beneficiary will automatically be designated as your Spouse, your Children, your Parents, your Siblings, or your Estate, in that order. You may change your beneficiary at any time by notifying the CSEA endorsed Insurance Program Administrator in writing. You are automatically the beneficiary for all coverage on your Spouse.
Your policy will be enforced until age 80, if you are still actively working. If you retire before age 80, the policy terminates at retirement and you will need to to re-enroll in the retiree plan. Then as a retiree, the policy will be enforced until age 80.