CSEA Benefits Program

Life Insurance Benefits That Work for You!

Valuable Life Benefits Take Care of Your Family
Coverage can increase as your family grows
Apply for coverage if you work at least 20 hours a week
Guaranteed Minimum Coverage – regardless of your health – if you apply within the first 7 months of employment
Low-cost group rates
Waives premiums if you’re disabled and an active employee

Group Ordinary Life Insurance Plan – Cash Value

Affordable Life Protection, Automatic Savings

CSEA Offers You Cash Value Coverage

Cash Value Insurance Pays for You!

The Ordinary Life Insurance Plan is a win-win for your family. You get valuable life protection which pays benefits to your beneficiary in the event of your death. Plus, it builds a Cash Value. It’s an automatic savings plan for you. So if you decide to end your coverage before a claim, you collect cash equal to the value. See the Cash Value chart to see how cash-value coverage provides you with disciplined savings!

There can be tax-efficient estate planning with cash value coverage. Be sure to check with your trusted financial advisor for advice¹.

Work Just 20 Hours a Week

You are eligible for coverage if you are a CSEA member, actively employed, working at least 20 hours per week (excluding Retired Members).

Retired CSEA members are still eligible for coverage provided they are under 65, working at least 20 hours or more per week and maintain their Retired CSEA membership. Evidence of insurability is required. You must not be on active duty with the military.

Guaranteed – Regardless of Health -- in Your First 7 Months of Work

Apply for coverage during your first seven months of employment and you’re guaranteed coverage. After that, you must complete the Statement of Health along with your application.

After your application is approved, coverage will start the first day of the month following the first payroll deduction of premium, if you are Actively at Work on that date. If not, coverage starts the day you return to work.

¹William G. Kistner "Cash-value vs. term life insurance: which is a better investment?" http://findarticles.com/p/articles/mi_m3257/is_n7_v51/ai_19780528/

Provides up to $100,000 in Life Benefits with Cash Value CSEA members age 65 and under, employed less than 7 months and continuously working at least 20 hours per week (excluding Retired Members) qualify for a guaranteed minimum benefit amount of $50,000. If enrolling after 7 months of employment or when enrolling for coverage in excess of your pre-approved amount, evidence of insurability is required and you (and your spouse, if enrolling) must complete the Statement of Health.

Employees age 66 and over may apply for $2,500 of insurance. Retired CSEA members are still eligible for coverage provided they are under the age of 65, working at least 20 hours per week and maintain their Retired CSEA membership. Evidence of insurability is required.

You must not be on active duty with the military.

Add $5,000 in Benefits for Your Family It’s important to add protection for family members, too. And as a CSEA member, you can protect your dependents (includes spouse and all eligible children) for a total of $5,000 of coverage at a cost of $1.85 a month.

Spouse only	$5,000
Spouse and child(ren)	$5,000
Child (age 6 months to age 26 years) only	$5,000
Child (age 14 days and under 6 months) only	$500

If you have covered dependents when you reach age 65, the dependent coverage will be reduced from $5,000 to $2,000 on November 1st of the year in which you reach insurance age 65. The premium will increase to $2.20 per month.

Eligible dependents include your spouse. Spouse means your lawful spouse, or your domestic partner under a legally registered and valid domestic partnership. Also, your children, stepchildren, and/or adopted children from 14 days to 26 years can also get coverage. Any dependent that is eligible for CSEA or Association Partnership Program membership or in full-time military service is not eligible to be covered as a dependent. If you and your spouse are CSEA or Association Partnership Program members and are covered under separate Anthem Life Plans, only one of you may insure eligible children.

Protect Your Family for as Little as $1.85 a Month! The cost for dependent coverage is just $1.85 a month, regardless of the number of dependents. If you have covered dependents when you reach age 65, the dependent coverage will be reduced from $5,000 to $2,000 on the following November 1. The rate will increase to $2.20 per month. In the event of your death, dependent coverage will continue for six months without payment of premium. If you discontinue your life insurance, your spouse’s coverage may be converted, without evidence of insurability, to an individual policy.

Coverage Even After You Retire Your life insurance continues after permanent retirement, provided you:

have been insured for at least two years prior to retirement
receive monthly California Public Employees Retirement System (CalPERS) benefits from which premiums may be deducted
continue your CSEA membership
send in an application (with two months premium) requesting benefits to be continued into retirement before you retirement date and continue premium payments thereafter

Double Benefits for Accidents If your death is due to a covered accident, your beneficiary will collect double your coverage amount. Example: If you have $18,000 of CSEA’s Group Ordinary Life Insurance and you die in an accident, your beneficiary will receive $36,000 — twice the amount.

If you’re in a covered accident and suffer dismemberment loss, you collect benefits equal to the scheduled amount of coverage. The standard death benefit would still be paid in the later event of your death. Accidental Death and Dismemberment is available for active employees only.

No Premiums While You’re Disabled If you qualify for total disability before age 60 and apply for Waiver of Premium benefits, your life insurance, and that of your dependents, may be continued without payment of premium. Waiver of Premium is available for active employees only.

Convert Your Coverage Your life insurance can be converted, without evidence of insurability, to an individual policy for yourself if you terminate your employment or your CSEA membership, or if you no longer are eligible for retirement benefits.

Cash Value Grows with Each Year You’re Covered, Starting in Your 4th Year!

The Plan’s Cash Surrender Values

The values in the following table show the amount of money available per $1,000 of insurance — according to your age at the time it was issued and the number of years for which premiums have been paid — if you terminate your coverage. For values other than those shown, contact us at 800-296-2732.

Group Ordinary Life Cash Value Chart: View Here

Group Ordinary Life Insurance Plan

Check Out These Payroll-Deducted Premiums – Easy to Budget!

As a CSEA member, you qualify for discounted group rates for the Ordinary Life Insurance Plan.

These are the monthly premium per $1,000 for age (nearest birthday) when coverage is issued. To determine your monthly premium for your age, multiply the rate shown by amount of life insurance applied for.

Group Ordinary Life Rate Chart: View Here

*Monthly premium per $1,000 (50% below Basic Premium Rates in the Master Policy)
Your monthly salary on date of application determines the amount of coverage for which you may apply. Your “insurance” age (age nearest birthday on the date of issue) determines your monthly rate per thousand. After the effective date, increased amounts for which you are eligible will be automatically issued each November 1 at the premium rate for your “insurance” age (nearest birthday that date) and your monthly salary (as of the preceding September 1).

The amount of your insurance will not increase after age 66, nor will it reduce if your salary is reduced.

What is the most important advantage of the Ordinary Life Insurance Plan?
This is cash-value coverage – which combines life insurance coverage with an automatic savings plan. You get valuable life insurance benefits – giving you peace of mind that your family has the coverage they need. Plus, it builds cash value – beginning with the forth year of coverage. So if at some point before a claim, you decide to end your Ordinary Life Insurance coverage, you collect the value of the cash. See the Cash Value chart within the Benefits tab for details.

How much coverage can I get?
Members under age 65 may apply for coverage amounts from $10,000 to $100,000. If applying for coverage within seven months of employment, you are guaranteed a minimum benefit amount of $50,000. If you are applying after seven months of employment or when applying for coverage in excess of your guaranteed amount, you must complete the Statement of Health section on the application.

Members age 66 and over may apply for $2,500 of coverage. The Statement of Health section on the application must be completed if applying for coverage after seven months of employment.

I already have life insurance. Do I need more coverage?
Additional life insurance can be a godsend to a family if tragedy strikes. Without your income, mortgage payments, medical expenses, college tuition add up in a hurry. And final expenses now average $7,755². Securing extra coverage now can be important peace of mind for your family.

² http://www.nfda.org/news-a-events/all-press-releases/2192-nfda-releases-results-of-2010-general-price-list-survey.html

How does CSEA keep coverage affordable during these economic times?
The premiums for the Ordinary Life Insurance Plan are affordable because rates are negotiated using the combined buying power of CSEA members. That means our group rates are typically lower than what you’d pay as an individual trying to get this coverage.

How can I pay my premiums?
For easy budgeting, premiums are deducted via payroll deduction. So, rates are not only more affordable than if you purchased coverage on your own because of the combined buying power of CSEA members, but they are also easy to plan for- you don’t have to send a payment in!

What if I change my mind after I apply?
After you’re approved for coverage, you’ll receive a Certificate of Insurance. Take up to 30 days to decide if this protection is right for you. If you change your mind, just send us a written request and your premiums will be promptly refunded.

IMPORTANT INFORMATION ABOUT YOUR CSEA GROUP ORDINARY ACCIDENTAL DEALTH AND DISMEMBEREMNT BENEFIT (Please read and print for your records.)

Accidental Death and Dismemberment Benefits
If an active employee suffers a covered accidental bodily injury, benefits will be paid as outlined in the Certificate of Insurance up to the Principal Sum. The loss must occur within 12 months of a covered accident. Losses will not be covered due to: a state of war, or any act of war, declared or undeclared; intentionally self-inflicted injury or suicide, while sane or insane; committing an assault or felony, or participating in a riot; bodily or mental infirmity as a result of medical or surgical treatment for such infirmity; ptomaine, bacterial infection, or any kind of disease, but this limitation does not apply to pyogenic infections occurring with and through an accidental cut or wound; or flight in any aircraft operated for aviation training; or any aircraft flight on which the Insured is a pilot, crew member or has duties aboard such aircraft, except in the course of employment for the employer.

Notice of Information Practices
To our members: In the course of properly underwriting and administrating your insurance coverage, we will rely heavily on information provided by you. We may also seek information from others, such as medical professionals who have treated you or family members covered under your policy. You have the right to be told about, and to see a copy if you wish, items of personal information which appear in our files, including information contained in investigative consumer reports. You have the right to seek correction of information you believe to be inaccurate. The above is a general description of the Company’s information practices. If you would like to receive a more detailed explanation of those practices, please write to Anthem Life Insurance Company, P.O. Box 182361, Columbus, OH 43218-2361.

Notice of Exchange of Information
Information regarding your insurability will be treated confidentially. However, Anthem Life Insurance Company may make a brief report thereon to the MIB Group, Inc. (MIB), and may release information in its file to other life insurance companies to whom you may apply for life or health insurance or to whom you may submit a claim for policy benefits. The MIB is a non-profit membership organization which operates an informational exchange for its members. If you apply to any MIB member for life or health insurance coverage or claim benefits under such coverage, the MIB may release the information in its file to such member company. Upon your request, the MIB will disclose the medical information in your file to your attending physician and any other information in your file to you. You may seek a correction of any information in the MIB's file that you consider inaccurate in accordance with the procedures specified in the Federal Fair Credit Reporting Act. The address of the MIB's information office is P.O. Box 105, Essex Station, Boston, Massachusetts, 02112, telephone number 866-692-6901 (TTY 866-346-3642 for hearing impaired).

Investigative Consumer Report
As part of our underwriting procedure, we may request an investigative consumer report from a consumer reporting agency. A consumer report confirms and supplements the information on your application pertaining to employment and residence verification, smoking habits, marital status, occupation, hazardous avocation and general health. This report may also cover information concerning your general reputation, personal characteristics and mode of living, including drug and alcohol use, motor vehicle driving record and criminal activity. The information may be obtained through personal interviews with you, your family, neighbors and business associates.
The information contained in the report may be retained by the consumer reporting agency and subsequently disclosed to other companies to the extent permitted by the Fair Credit Reporting Act. You have the right to inspect and obtain a copy of the report from the consumer reporting agency. These reports rarely have an adverse affect on one’s eligibility for insurance. If one should, however, we will notify you in writing and identify the reporting agency.

FULL TERMS AND CONDITIONS ARE IN THE CERTIFICATE OF INSURANCE. These materials explain the general purpose of the insurance described, but in no way change or affect Master Policy 7408 and 7430L as actually issued. In the event of a discrepancy between these materials and the policy, the terms of the policy apply. Complete details are in the Certificate of Insurance issued to each insured individual. Benefits may vary and this program may not be available to residents of all states.

Endorsed by: California State Employees Association

The CSEA incurs costs in connection with providing oversight and administrative support for this sponsored plan. To provide and maintain this valuable membership benefit, CSEA is reimbursed for these costs.

Questions? Call toll-free 1-800-952-5283

California State Employees Association
Administered by A.G.I.A., Inc.
PO Box 9997
Phoenix, AZ 85068

Group TermPLUS Life Plan

Group Ordinary Life Insurance Plan

Group 10-YR Level Term Life Insurance Plan

Ordinary Life (Cash Value) vs. Term Life Benefits

What's best for me?

The type of life insurance you need depends on your personal situation. If you want low-cost coverage into your retirement that provides a disciplined savings plan and tax-advantage estate planning, seriously consider the CSEA Group Ordinary Life Insurance Plan. This is your best bet if you need life insurance benefits for 15 years or longer with coverage that can increase as your family grows. The CSEA Group TermPLUS Life Plan offers you affordable term life coverage and works best if you need life insurance protection during your working years.