man in red shirt

Benefits: CSEA Supplemental


CSEA Premier Term Life Insurance

This affordable term life insurance is available to all active CSEA members under age 70, their spouses under age 66, and their dependent children 15 days to 18 years of age. CSEA membership is required to apply and continue this insurance.

  • $50,000 Guaranteed Issue within the first 180 days of CSEA membership
  • $50,000 Guaranteed Issue for members under 55 years of age
  • $250,000 plan maximum for members only
  • With coverage on member up to $25,000 available with Guaranteed Issue for spouse
  • Dependent Coverage extended to spouse and children
  • Economical group rates
  • Line of Duty Benefit
  • Accelerated Death Benefit
  • Accidental Death and Dismemberment Benefits
  • Seat Belt Benefit
  • Travel Accident Benefit
  • Premium Waiver
  • No age limit if coverage is in place for ten years and purchased before age 60
  • Convenient Payroll Deduction or EZ PlanSM Plan
  • Simplified Application
  • Underwritten by Metropolitan Life insurance Company, New York, NY

[top]

CSEA Basic Term Life Insurance

Because the price reflects the statistical risk that you may die while the policy is in force, premiums increase as you grow older. With term insurance, you only pay for the protection that you need. The rates under this program reflect the elimination of the additional frills offered under the Premier Term Life Plan. This plan is available to all active CSEA members under the age of 60:

  • $50,000 Guaranteed Issue with the first 180 days of CSEA membership
  • Affordable group rates based on the members' attained age
  • Coverage amounts range from $10,000 to $250,000 for member
  • Dependent coverage extends members' coverage to include spouse and children (spouse coverage available from $10,000 to $150,000 Child(ren) coverage of $2,000 to $5,000 or $10,000 is available.
  • Underwritten by Metropolitan Life Insurance Company, New York, NY

[top]

CSEA Disability Income Protection Plans

Available to all CSEA members under age 60 who are regularly and actively performing the duties of their occupation according to their regular schedule on a full time basis. CSEA membership is a necessary condition of insurance. Two plans to choose from:

CSEA Classic Disability Income Plan

  • Provides monthly benefits for up to 12 months for Total Disability due to covered Sickness or Accident
  • Extended Benefit period option up to age 70 for off the job accidents
  • 2 year Benefit Period Option for Sickness and On-the-Job Accidents

CSEA Basic Disability Income Plan

  • Provides monthly benefits for up to 6 months for Total Disability due to covered Sickness or Accident

HIGHLIGHTS UNDER BOTH PLANS INCLUDE:

  • Up to $3,000 in monthly benefits available (based on salary schedule)
  • Up to $1,200 in monthly benefits available on Guaranteed Issue for members under age 65
  • Benefits for Pregnancy
  • Benefits for medical Expenses
  • Hospital confinement not required
  • Convenient payroll deductions
  • $5,000 Accidental Death and Dismemberment Benefit
  • Waiver of Premium Benefit
  • Work Stoppage Benefit
  • Reduced premiums for 30 day waiting period option
  • Easy application process
  • Survivor Benefit
  • Vocational Rehabilitation Provision
  • Underwritten by New York life Insurance Company, New York, NY

[top]

Family Protection Policy

Available to all CSEA members and spouses aged 18 through 64, and their children, ages 15 days through 24 years. This group whole life insurance may be used to supplement any life insurance you may currently have.

  • $25,000 guaranteed for new member applying within the first 180 days of CSEA Membership
  • Permanent life insurance that builds cash value
  • Level premiums which can never be increased
  • Up to $100,000 for members and spouses
  • Continuation of coverage beyond employment
  • Waiver of premium feature
  • Non-smoker discounts
  • Living benefit/accelerated death benefit
  • Underwritten by New York Life Insurance Company, New York, NY

[top]

Protection Plus Universal Life Insurance

Available to all CSEA members and spouses under age 70 and their children 15 days through 25 years. This Universal Life Insurance can be used to supplement other life insurance you currently have. Highlights include:

  • Convenient payroll deduction
  • Waiver of cost of insurance for disability
  • Unisex rating
  • Nonsmoker rates
  • Adjustable benefits & premiums
  • Flexibility of coverage up to plan maximum
  • Valuable loan option
  • Simplified Underwriting available for members under age 70
  • Underwritten by the United States Life Insurance Company in the City of New York, NY - Policy form #9245IN

[top]

Critical Illness

This coverage pays a lump sum payment to offset the unexpected costs associated with surviving a critical illness. Provides insureds with valuable protection and the freedom to choose the lifestyles and treatments they prefer.

  • Coverage available from $10,000 to $100,000
  • No health questions for coverage on $10,000 -$30,000
  • $75 annual preventative care reimbursement
  • Covered illness include: Cancer, Heart Attack, Kidney (Renal) Failure, Stroke, and a condition requiring major organ transplant as defined in the certificate of insurance
  • Preventative Care Benefit also known as a Wellness Benefit. A $50 benefit paid toward pre-screening tests.
  • Full payment paid directly to you in addition to any other benefit you may receive from another company
  • Convenient Payroll Deduction
  • Underwritten by National Untion Fire Insurance Company of Pittsburgh, PA

[top]

Retirement Counseling

Available to all CSEA members planning retirement. This free, no obligation service is available to help you maximize your pension income, regardless of any other retirement income you may be entitled to, such as Social Security. Highlights include:

  • Four plan options to meet your retirement needs
  • Clear overview of retirement options available
  • Guidance on continuing your CSEA Life Insurance after retirement
  • Counseling on ways to maximize retirement income, while still providing future protection for spouse and family
  • Guidelines on creating a position of flexibility within your pension

[top]

Personal Lines Insurance Program

Available to all CSEA members at any time. Obtaining Umbrella liability, however, requires that both your automobile and home owners coverage are written under the CSEA Personal Lines Insurance Program. Highlights include:

  • Convenient payroll deduction
  • Automobile/Homeowners/Renters Insurance
  • Mobile Home Coverage
  • Umbrella Liability Insurance
  • Package Policy - Combining home, auto, and/or umbrella coverage at discounted rates.
  • Continuation of coverage beyond employment
  • A variety of carriers to provide the best match for your coverage needs.
  • **Annual free policy review

[top]

Hospital Indemnity Insurance

Available to all active and retiree CSEA members and their spouses, regardless of age or health not currently confined for medical care or treatment in an institution or at home, and not on full time active duty in the armed forces. Highlights include:

  • Provides members with extra money to help cover the cost of a hospital stay and the recovery afterwards
  • Cash benefits are paid in addition to any other insurance
  • Members under age 75 and their spouses are eligible

No medical exam or health questions to enroll

 

[top]