Life Insurance
Program
A term life insurance and limited accidental death and dismemberment program which includes an accelerated death benefit for terminal illness.
Monthly Premium
Currently, no premium rate is charged to employees.
Eligibility
Employees are eligible if appointed half-time or more for a period of more than six (6) months.
Lecturers and Coaches appointed for a minimum of one semester or two consecutive quarters at .4 timebase or greater are eligible for benefits. Coaches and Lecturers (Non-academic calendar year) are eligible for benefits if appointed half-time or more for a period of more than six (6) months. View faculty benefits eligibility details.
Employees appointed on an hourly, intermittent basis do not qualify for benefits.
Enrollment
All eligible employees will be automatically enrolled. Coverage will be effective the first of the month following eligibility.
Coverage
| Eligible Employee | Life Insurance | Accidental Death and Dismemberment |
|---|---|---|
| Executive | $250,000 | $250,000 |
| Management/Supervisory (MPP) | $100,000 | $100,000 |
| Faculty (Unit 3) | $50,000 | $50,000 |
| Teaching Associates (Unit 11) | $50,000 | $0 |
| Public Safety (Unit 8) | $10,000 | $10,000 |
| Physicians (Unit 1) | $25,000 | $25,000 |
| Student Services Professional (Unit 4) | $25,000 | $25,000 |
| Confidential Employees (C99) | $50,000 | $50,000 |
| CSUEU (Units 2, 5, 7 and 9) | $10,000 | $10,000 |
Certificates
Each participant will be provided with a certificate of insurance detailing the program.
Cancellation / Termination
If you become ineligible because of a change in time base or employee category, coverage will be automatically cancelled. Any cancellation or termination of coverage will cause the enrollment to cease at midnight on the last day you cease to be eligible.
Conversion Rights
Upon termination of employment, you may elect to convert the insurance to an individual policy that Standard Insurance offers. No evidence of insurability is required if the application is mailed within 30 days following termination of employment. Contact Standard Insurance at (800) 368-1135 for additional information.
Beneficiary
If you wish to designate a beneficiary other than a spouse, child, parent or siblings, which are considered automatic (statutory) beneficiaries, you must complete a beneficiary form which can be obtained from Benefit Services (Brotman Hall 358).
Direct Pay
If you go on a leave without pay or are otherwise in approved non-pay status, you may elect to pay the full premium for continuous coverage. You should complete the necessary documents prior to your leave. For further information, contact Benefit Service at (562) 985-2381.
Claims Processing
Beneficiaries should contact Benefit Services for instructions for filing a claim.