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Group Accidental Death & Dismemberment Insurance Plan

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Group Accidental Death & Dismemberment Insurance Plan

Underwritten by the New York Life Insurance Company

Be Better Prepared for the Unexpected.

Available to: SEIU Local 1000, CSUEU, ACSS & CSEA Retirees

The emotional and physical impact of accidents - home or work-related - can be overwhelming. Request up to $500,000.00 of protection from the CSEA endorsed Group AD&D Plan if you're actively at work for at least 20 hours a week and under the age of 80, or up to $200,000.00 of protection if you're retired–GUARANTEED TO YOU!

  • - Pays up to $10,000.00 extra for seat belts
  • - Pays toward educational tuition for covered family members if you die in a covered accident
  • - GUARANTEED acceptance for eligible CSEA Members and their families
  • - Features affordable CSEA rates

Coverage only available to residents of the U.S. Before enrolling, read through the rest of this site for information on rates, benefits, eligibility, renewability, limitations, and exclusions.

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Overview

You're GUARANTEED up to $500,000.00 in Benefits 

Accept protection up to $200,000.00 if you're retired!

Accidental injury has become the third leading cause of death for the first time in U.S. history. In 2017, an estimated 127,300 preventable injury-related deaths occurred in homes and communities1.

Today, you can help protect your family with the valuable CSEA endorsed Group Accidental Death and Dismemberment Insurance Plan:

  • If you actively work (as defined): Pays up to a $500,000.00 one time payment in the event of death or specified injury resulting from a covered accident
  • Pays an additional benefit of $10,000.00 if you or covered family members die in fatal auto accidents while properly wearing a seat belt
  • Pays up to $3,000.00 education benefits for your covered spouse if, as long as he or she completes a licensed professional or trade school program within 30 months of your death.
  • Pays up to $2,500.00 for your insured children who are seniors in high school or enrolled in college, every year, for up to four years if you die in a covered accident. Refer to your Certificate of Insurance for details
  • Pays benefits for covered accidents such as car accidents, work and home accidents, drowning, falls, electrical accidents, boating mishaps and more (See Certificate of Insurance for details)
  • Protects you anywhere, anytime for covered accidents (Subject to U.S. government regulations on restricted countries)
  • Covers you as passenger in a commercial airplane, train or bus
  • Pays in addition to any other insurance
  • Cash for your family to spend as needed -- and get back on their feet

If you have any questions regarding these benefits, please call +1-800-952-5283.

 

1 National Safety Council, Injury Facts 2018

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Benefits

Accept the CSEA Endorsed Group Accidental Death and Dismemberment Insurance Plan TODAY

24-hour, Worldwide* Coverage – benefits up to $500,000.00 if you are actively at work or up to $200,000.00 if you're retired. And you're guaranteed benefits as a CSEA Member under age 80. No physical exam or health questions.

*Subject to U.S. government regulations on restricted countries.

Pays up to $10,000.00 EXTRA for seat belts!

The CSEA endorsed Accidental Death and Dismemberment Insurance Plan pays up to an additional $10,000.00 (or 10% of your principal benefit, whichever is less) if you or an insured dependent die in an auto accident while properly wearing a seat belt. This extra benefit is paid in addition to any other benefit. The seat belt usage must be verified by an accident report, a doctor, coroner, traffic officer or other authority.

Guaranteed Acceptance

  • Guaranteed to You if You Work Just 20 Hours a Week
    You're guaranteed benefits as long as you are a CSEA member under the age of 80, a resident of the U.S., are a permanent employee and work at least 20 hours a week.
  • Guaranteed to You if You're Retired and Under Age 80
    You're guaranteed benefits as long as you are a CSEA retired member and under age 80.

Protects Your Family, Too.

This CSEA endorsed Group Accidental Death and Dismemberment Insurance Plan is also available when you obtain coverage for your lawful married spouse or domestic partner (call administrator for details) and your dependent children under age 19 (26 if full-time students at an accredited school or college) – guaranteed regardless of health. Newborn children are automatically covered at birth.

When you choose family coverage, benefits for all covered family members are based on the amount of coverage you select as follows:

  • Your spouse is covered for 40% of your chosen benefit (original principal sum)
  • Your child(ren) is covered with a benefit equal to 10% of your member benefit.
  • If there are no covered children, your spouse's coverage will be 50% of your chosen benefit (original principal sum)

Your spouse, your children, your parents, your siblings or your estate will automatically be the beneficiary for your CSEA protection. However, you may change your beneficiary at any time by notifying CSEA Insurance Plans in writing. You are the beneficiary for your dependent's coverage.

Benefits to Help Pay Tuition and MORE!

If you die in a covered accident:

  • An extra $3,000.00 benefit is payable if, at the time of your covered loss of life, your insured spouse is enrolled in a licensed professional or trade school and within 30 months following the date of death, said spouse successfully completes the program.
  • Your children who are seniors in high school or enrolled in college at the time of your accidental death, will receive 2% of the amount of your coverage (up to $2,500.00) for up to four years, except that: The benefit will end if the insured dependent ceases to be a full-time student.
  • Your dependent family's coverage stays in force if you die – and they pay NO premium payments for 12 months if your death is due to a covered loss.

Your Benefits Automatically Increase -- RATES STAY THE SAME!

The amount of your coverage increases automatically as a protection against inflation with no additional premium cost. The increase will be 5% every two years, up to a maximum of 25%. This means that at the end of ten years you will have an extra 25% in benefits with no increase in premium cost.

Pays you directly!

Because accidental deaths and disabling injuries result in special needs and high medical bills, the CSEA Plan provides you with "quick cash" benefits to cover these expenses. You or your family member will collect the following benefits based on your loss.

When covered injury results in a loss within 12 months after the date of the accident, benefits are payable. Certain losses are payable at 100% of the selected benefit and other losses are payable as shown:

Benefits for Specific Loss Coverage
For an injury directly and independently caused by an accident while coverage is in force for you or your covered dependent, the benefits specified below will be paid if such resulting loss(es) occur within 12 months of that accident
Life; two limbs; sight of both eyes; one limb; one hand or foot and sight of one eye; speech and hearing or; movement of both upper and lower limbs 100% of Principal Sum
One limb; sight of one eye; speech or; hearing 50% of Principal Sum
Loss of thumb and index finger on one hand 25% of Principal Sum

For what is not covered, see EXCLUSIONS AND LIMITATIONS in the "Terms" tab.

If you suffer multiple losses due to the same accident, only one benefit amount, whichever is greater, is payable. "Loss" means: with reference to limbs, actual severance through or above the wrist or ankle joints; with reference to thumb and index finger, actual severance through or above metacarpophalangeal joints; with reference to sight, speech or hearing, total and permanent loss thereof; and with reference to movement, total and permanent paralysis of such limbs.

You're Under No Obligation

If you decide the CSEA endorsed Accidental Death and Dismemberment Insurance Plan isn't for you, just let us know in the first 30 days. We'll promptly refund your premiums and invalidate your coverage, provided there have been no claims. No questions. No obligation.

When Insurance Ends

Your coverage will continue as long as you pay your premiums on time, you remain a CSEA retired member in good standing and the Master Policy remains in force. Coverage for Retired Members terminates at age 80. Your spouse's coverage ends when yours does or when he or she is no longer eligible as defined in your Certificate of Insurance. For Actively at Work Members, your coverage will end on the earliest of the following dates: The date the policy is terminated; or the premium due date on or next following the date you are no longer an eligible person or fail to pay the premium.

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Rates

Current 2019 Monthly Premiums

Take Advantage of your CSEA Member-Only Rates

(Working 20+ hours/week)

Benefit Amount Active-working Member Only Actively-working Member & Family
$100,000.00 $5.00 $7.00
$300,000.00 $15.00 $21.00
$500,000.00 $25.00 $35.00

Current 2019 Monthly Premiums for Retired Members

Benefit Amount Retired Member Only Retired Member & Family
$50,000.00* $5.00 $6.25
$100,000.00* $10.00 $12.50
$200,000.00* $20.00 $25.00

*Coverage terminates at age 80.

Rates may be changed on a class wide basis

Guaranteed Acceptance

Enroll in the CSEA endorsed Group Accidental Death and Dismemberment Plan regardless of your health. No physical exam or health questions. Accept guaranteed coverage here if you actively work or you are retired.

For SEIU, ACSS, and CSUEU premium for this plan is deducted from payroll or PERS for Retirees with an authorization from each individual member. All other groups leverage auto-renewal through automatic bank deduction or credit card. Premiums are subject to change by agreement between New York Life Insurance Company and the CSEA, but not more than twice in any twelve-month period. You can't be canceled or singled out for a premium increase due to a change in your health or job. Your rates may only be increased if they are increased for all others in your insurance class (a class is a group of people with the same age or gender).

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FAQs

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

*Subject to U.S. Government Regulations on restricted countries.

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Terms

EFFECTIVE DATE OF COVERAGE

This coverage becomes effective on the first of the month following payroll/pay warrant deduction and the receipt of your application, provided your enrollment has been approved. As long as your premiums are paid, the Master Policy is in effect, you remain a Member of CSEA and are under age 80, you may continue to renew your coverage.

CERTIFICATE OF INSURANCE

This provides an outline of the plan's coverage. You will be mailed a Certificate of Insurance that contains the full terms and conditions. Please read it carefully and file it with your important personal papers where it can be found in case of your accidental death.

EXCLUSIONS AND LIMITATIONS

No Benefits will be payable for any loss that is due or related to: suicide; an attempt at suicide or an intentionally self-inflicted injury while sane or insane; A loss that occurs during, due or related to the covered person's engagement in any of the following in a role other than as a victim: war, an act of war or an armed conflict which involves the armed forces of one or more countries, whether declared or undeclared; A loss that occurs during, due or related to the use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents; unless administered on the advice of a physician or accidentally administered; A loss that occurs during or is a result of travel in, travel on, fall from or descent from any aircraft while such aircraft is in flight, unless traveling solely as a passenger; A loss that is due or related to: a disease or bodily infirmity of mind or body, medical or surgical treatment of such disease or bodily infirmity or bacterial infections, except infections that occur as a result of an: accidental cut or wound; or accidental ingestion of contaminated material; A loss that occurs during , due or related to, any medical, dental or surgical treatment unrelated to the accident which would otherwise entitle the covered person to benefits.

Exclusions The following losses are excluded:

Air Travel – A loss that occurs during or is a direct result of the COVERED PERSON'S travel in, travel on, fall from or descent from any aircraft while such aircraft is in flight, unless the COVERED PERSON is traveling solely as a passenger.

Disease/Infirmity – A loss that is due to or related to: (a) disease or bodily infirmity of mind or body; (b) medical or surgical treatment of such disease or bodily infirmity; or (c) bacterial infections, except infections which occur as the result of an: (1) accidental cut or wound; or (2) accidental ingestion of contaminated material.

Drugs – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the COVERED PERSON'S: (a) use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents, unless such use is as prescribed by a doctor or accidentally administered; or (b) illegal use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents.

Self-Inflicted Injury/Suicide – A loss that: (a) is due to or is related to: (1) suicide; (2) an attempt at suicide; or (3) an intentionally self-inflicted injury; (b) occurs during an attempt at suicide; or (c) occurs while intentionally injuring oneself; while the COVERED PERSON is sane or insane.

Treatment– A loss that: (a) occurs during; (b) is due to; or (c) is related to; any medical, dental or surgical treatment unrelated to the accident which would otherwise entitle the COVERED PERSON to benefits.

War Conditions – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the COVERED PERSON'S engagement in any of the following in a role other than as a victim: (a) in war, (b) an act of war, or (c) an armed conflict which involves the armed forces of one or more countries.

 

Endorsed by:

CSEA Logo

CSEA incurs certain administrative expenses in connection with this sponsored program. To provide and maintain this valuable membership benefit it is reimbursed for such expenses. California State Employees Association Administered by A.G.I.A., Inc.

PO Box 9997 Phoenix, AZ 85068-0997
A.G.I.A, Inc. is licensed and authorized to transact business in all 50 United States and the District of Columbia. Their state of domicle is California.
J. Christopher Burke CA Insurance License #0F709407. J. Christopher Burke AR Insurance License #8876308.

Underwritten by:

New York Life Insurance Company
51 Madison Avenue
New York, NY 10010
Under Group Policy G29148-1 on Policy Form GMR-FACE/G29148-0, New York Life is licensed/authorized to transact business in all 50 United States, District of Columbia, Puerto Rico and Canada.

However, not all plans it underwrites are available in all states. Please check the plan details for current availability.

New York Life Insurance Company's state of domicile is New York and their NAIC ID # is 55915.

This is not a policy or Certificate of Insurance. It merely summarizes the principal features and is for informational purposes only. The complete terms and provisions of coverage and the conditions under which it may be kept in force are contained in the group Master Policy issued to the association.

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Group-AD&D-Enrollment-Form-Employed-2019.pdf Download
Group-AD&D-Enrollment-Form-Employed-2019.pdf
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GUARANTEED ACCEPTANCE

Enroll in the CSEA endorsed Group Accidental Death and Dismemberment Plan regardless of your health. No physical exam or health questions. Acceptance is guaranteed if you are actively working at least 20 hours a week, or you are retired, under the age of 80.