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Voluntary Benefit Plans
Cal State Monterey Bay offers a variety of voluntary benefit plans that allow employees to enhance their financial protection, health coverage, and personal security. These optional programs include insurance plans, savings programs, legal assistance, travel support, and additional campus and community resources designed to meet diverse employee needs.
Insurance Resources
The CSU provides eligible employees the opportunity to apply for Accident insurance for themselves and their families at very competitive group rates. Accident Insurance helps protect your bank account from the out of pocket expenses that come with an injury – whether you're coping with a broken arm or recovering from a serious car accident. In the event of a covered accident, your Accident insurance will pay a benefit directly to you. Benefits are based on the injuries you sustain and the treatments you receive. For answers to commonly asked questions, costs, exclusions, and limitations, please review the Accident Insurance Brochure.
To enroll please visit the following website:
CSU Auto & Home/Renters Insurance Program, provided by California Casualty.
- Auto and Home insurance is offered to all CSU employees at a discounted rate through California Casualty. Coverage for eligible dependents 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 1-866-680-5142 or go to www.calcas.com/csu.
You can voluntarily purchase group Critical Illness Insurance through The Standard. The Standard pays cash benefits directly to you (unless otherwise assigned), when you're sick or injured. You can use the cash to help cover expenses that major medical does not—like mortgage, groceries, or whatever you need. To enroll please visit the following website:
Employer-Paid Basic Group Term Life Insurance and Accidental Death and Dismemberment Insurance Basic Life and AD&D Insurance coverage is automatic and provided at no cost to eligible employees in Units 1, 2, 3, 4, 5, 7, 8, 9, 11 (TA's only), C99, M80, and M98.
Note: The IRS permits an employer to provide tax-free life insurance of up to $50,000. You will incur an income tax liability for employer-paid insurance in excess of $50,000, based on your age, at the end of the taxable year. Those employees, who do not want the additional tax liability, may waive the excess coverage at any time, on a prospective basis, by completing a waiver. Such a waiver is irrevocable for the remainder of your employment with the CSU.
Standard Life Insurance Company
1-800-378-5745
http://www.standard.com/mybenefits/csu/index.html
- Life and AD&D Group Number: 603267-C
- FrontierMEDEX Travel Assist Group Number: 7088
- Voluntary Life and AD&D Insurance
A long-term disability plan guarantees a level of income if an eligible employee is unable to work due to disability. Coverage is automatic and provided at no cost to eligible employees. LTD benefits become payable after the employee has been continuously disabled for the entire Benefit Waiting Period. LTD benefits are coordinated with other benefits plan payments up to age 65. To find out information on purchasing long-term disability insurance, please scroll down to the section titled Voluntary Insurance Plans.
Standard Life Insurance Company
- 1-800-378-5745
- http://www.standard.com/mybenefits/csu/index.html
- Long Term Disability Group Number: 642920-A
- 2023 Life, AD&D, and LTD Rates
Nationwide Pet Insurance
The CSU is now offering three benefit options for pet insurance. This insurance can cover pet accidents, illnesses and even preventive care and wellness services. These plans are available for dogs, cats, birds, small mammals and exotics (such as reptiles).
Eligibility
All CSU employees are eligible for this plan, except Rehired Annuitants and FERP participants. No timebase required.
Effective date of coverage
The first of the month following the pay period that the deduction was taken (i.e., first deduction taken out of the April pay period, coverage effective May 1st). If a Direct Payment Method is selected (such as credit card) then the policy would become effective 14 days after the policy is enforced.
Employee will need to get a quote and may do so by visiting http://www.
Insurance Carrier Contact Information
Plans and Assistances
Credit unions are member-owned financial institutions that provide savings, loan, and related services to qualified members. The purpose of a credit union is to offer value to CSU employees through competitively priced savings and loan products. Following is a non-inclusive list of local credit unions in no particular order or preference. For further information on the services provided or to become a member, please contact the credit union directly.
The ARAG Legal Insurance Plan covers all CSU employees with a time base, and includes your spouse or domestic partner, and dependent children up to age 26 for a wide variety of services for only $16.95 per month. You can enroll within 60 days of hire or during any annual Open Enrollment period. Once enrolled, your coverage will automatically continue plan year to plan year, unless you decide to cancel.
- ARAG Legal Insurance Plan 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.
- Members are required to remain in the plan for a full benefit plan year.
- ARAG plan will pay for 100% of Network Attorney fees for paid-in-full, covered matters. You will also have access to more than 15,000 attorneys. Coverage is available in person or by phone.
- Reduced Fee Benefit for Matters Not Covered.
- For more information or to apply, contact ARAG customer service at 1-800-247-4184 or go to http://www.ARAGlegal.com/CSU
- 2024 plan year Monthly rate is $16.95.
- Employee may continue their benefit upon Retirement.
Legal Insurance Plan Contact Information:
- Telephone: 1-800-247-4184
- Website: http://www.ARAGlegal.com/CSU
Related Documents & Forms
- A college savings plan for your child(ren).
- (College Savings Trust)
- 1-800-544-5248
- Monday to Friday
- 8:00 AM - 7:00 PM PT
- http://www.scholarshare.com/
This free-of-charge program for CSU employees and eligible dependents with group insurance from the Standard Insurance Co ("The Standard"), provides CSU employees with information, referral, assistance, transportation and evacuation services to help with medical care situations and other emergencies that may arise during travel more than 100 miles from home —whether you’re on a personal vacation or a business trip. This service is provided by Assist America, Inc. More information is available at the following website: Travel Assistance
Participants must contact Assist America as soon as possible to use Travel Assistance:
- Call: 800-872-1414 - within U.S., Canada, Puerto Rico, U.S. Virgin Island, and Bermuda OR +1-609-986-1234 - everywhere else
- Email: medsservices@assistamerica.com
- Mobile App: Use the Assist America Mobile App, available on Google Play and Apple App Store.
Reference Number: 01-AA-STD-5201
Standard Life Insurance Company
- 1-800-378-5745
- http://www.standard.com/mybenefits/csu/index.html