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Build a Stronger Safety Net By Adding $100,000.00 Coverage To Your CSEA Benefits
Thanks to your standing as a valued CSEA member, you and your spouse are now invited to request $100,000.00 in life coverage through the CSEA 10-Year Level Term Life Plan.
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Rates STAY THE SAME for A Full 10 Years
There’s no need to budget for annual rate increases for your added coverage. That’s because rates for this new CSEA life plan lock in for the first 10 years of your coverage. After that, you also have the opportunity to continue your coverage at the then-current rates for your age once coverage becomes effective … or to request another 10-year rate lock term as long as you’re under age 65.
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Benefits STAY THE SAME for A Full 10 Years
You can also rest assured that the coverage you set up now will be the same level of coverage available for your loved ones 10 years from now. Your benefits will not cut back just because you get older or retire.
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Continuation of Coverage During a Sanctioned CSEA Strike
If you’re unable to work due to a sanctioned CSEA strike, you’ll have extra peace of mind knowing that you may continue your monthly premium for up to 6 full months while the strike continues. That means your financial safety net can stay in full force during this time.
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Accelerated Death Benefit
This valuable feature allows you to collect half of your benefit amount up to $250,000 at a time when you’ll need it most. If you’re diagnosed with a terminal illness and given a life expectancy of 12 months or less, you can access your cash benefits to use any way you see fit.
This added cash can be used to help pay medical bills ... or to cover household expenses so a family member can stop working to care for you. The remainder of your benefit will then be paid to your beneficiary.
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Renewability
Renew your 10-Year Level Plan for another decade and receive locked in rates again for you and your spouse! As long as you are 64 years or younger and still Actively at Work, You and your spouse (if covered) can renew for the same, decreased or increased benefit amount and lock in your new 10 year premium rate based on your new age once your coverage becomes effective. Be sure to request this before the completion of your initial term so there’s no lapse in coverage.
However, if you’re not eligible for a renewal, you will be automatically insured at the same amount on an annual renewal term basis. Either way, we’ve got you and your spouse covered.
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Check out your rates below!
The first rate chart is for coverage amounts requested between $100,000 - $249,999 for males and females. The second rate chart is for coverage amounts requested between $250,000 - $1,000,000 for males and females. Categories such as Tobacco Standard, NonTobacco Standard, NonTobacco Select and NonTobacco Preferred will be decided once member is medically underwritten.
$100,000 - $249,999 Coverage Amount Rate Chart: >View Here
$250,000 - $1,000,000 Coverage Amount Rate Chart: >View Here
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Why Group 10-Year Level Term Life?
Many families are looking for long-term financial security they can depend on. This plan allows members and their spouses to lock in budget-friendly group rates and benefit amounts for 10 years. This makes it easy to fit within their busy lifestyles, as well as budget from year to year with the guarantee of no rate increases.
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Who can have the 10-Year Level Term Life Plan?
CSEA members, actively employed working at least 20 hours per week (excluding Retired Members) can apply for coverage. Evidence of Insurability is required.
Retired CSEA members are still eligible for coverage provided they are under the age of 65, working at least 20 hours per week or more and remain a Retired CSEA member. Evidence of Insurability is required.
You must not be on active duty with the military.
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For how much coverage am I eligible?
Members are eligible for a minimum coverage amount of $100,000 and can increase in increments of $10,000 up to a maximum of the lesser of $1,000,000 or 10 times your yearly salary.
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Can I also get coverage for my family?
Yes. Your spouse can apply for the same coverage! They too can start at $100,000 and add on increments of $10,000 up to a maximum amount of the lesser of $1,000,000, or 10 times the member’s yearly salary.
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When does my coverage become effective?
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.
Example: If your application is approved on May 5, and your first premium is deducted from your June 1 pay warrant, then coverage will start on June 1 if you are at work on that date.
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What happens to my coverage when I truly retire?
When you truly retire, you can continue your life insurance provided you have been insured for at least two years prior to retirement; you receive monthly California Public Employees Retirement System (CalPERS) benefits from which premiums may be deducted; you continue your CSEA membership; and you send in an application (with two months premium) requesting benefits to be continued into retirement before your retirement date and continue premium payments thereafter.
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Can I enroll in other CSEA Sponsored Life Insurance Programs?
Yes. You may be eligible to enroll for up to a million dollars of life insurance coverage. CSEA offers additional Group TermPLUS Life and Group Ordinary Life insurance plans. Please note that the combined amounts of all Group TermPLUS Life coverage, all Group Ordinary Life Coverage, and all 10-Year Level Term Life coverage in effect for the insured cannot exceed $1,000,000. Call us at 1-800-952-5283 if you are interested in enrolling in additional insurance.
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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.
Underwritten by:
Anthem Life Insurance Company
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
© 2011 AGIA
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