Group Whole Life Insurance Plan
Overview
LIFE INSURANCE BENEFITS THAT WORK FOR YOU!
- Valuable Life Benefits Take Care of Your Family
- You can add more coverage 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
- Affordable rates
- Waives premiums if you’re disabled and an active employee
AFFORDABLE LIFE PROTECTION, AUTOMATIC SAVINGS
The CSEA Sponsored Plan Offers You Cash Value Coverage
Cash Value
The Whole Life Insurance Plan is a win-win for your family. You get valuable life protection which is designed to pay benefits to your beneficiary in the event of your death. Plus, it builds a Cash Value. So if you decide to end your coverage before a claim, you collect cash equal to the value. See the Cash Value chart.
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.
Retired CSEA members are still eligible for coverage provided they are under 65, and maintain their Retired CSEA membership. Evidence of insurability is required. You must not be on active duty with the military.
See “Who Is Eligible?” section for full eligibility requirements.
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 apply and be medically underwritten.
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.
Download a Guaranteed Application for employees with less than 7 months of employment: Print to Apply
* Payroll deduction is only available for SEIU, CSUEU, ACSS, and Retirees. All other groups leverage auto-renewal through automatic bank deduction or credit card.
Benefits
WHO IS ELIGIBLE
CSEA members, who are U.S residents, 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 an application and be medically underwritten.
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, 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, under age 65, and all eligible children, under age 26) for $5,000 of coverage for your spouse and each eligible child. Dependnts are not eligible for the AD&D member benefit. Please see the terms page for more information.
AMOUNTS OF DEPENDENT COVERAGE AVAILABLE
| 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 |
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 New York Life Insurance Plans, only one of you may insure eligible children.
PROTECT YOUR FAMILY FOR AS LITTLE AS $1.85 A MONTH!
The cost for children coverage is just $1.85 a month, regardless of the number of dependents. If you have covered children 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 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:
- receive monthly California Public Employees Retirement System (CalPERS) benefits from which premiums may be deducted
- continue your CSEA membership
- send in an application requesting benefits to be continued into retirement before you retirement date and continue premium payments thereafter
DOUBLE BENEFITS FOR ACCIDENTS – MEMBER ONLY BENEFIT
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 Whole 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 or loss of sight, you collect benefits equal to 50% or 100% of your life amount. 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.
ADDITIONAL BENEFITS FOR ACCIDENTAL INJURIES
If you’re in a covered accident and suffer specific injuries, the plan will pay you benefits based on your loss.
- Loss of life: 100% of benefit amount
- Both hands, both feet, or the sight of both eyes: 100% of benefit amount
- Two or more of the following: one hand, one foot, the sight of one eye: 100% of benefit amount
- One hand, one foot, or the sight of one eye: 50% of benefit amount
- Loss of sight, speech or hearing means total and permanent loss. Loss of limb means severance through or above the wrist or ankle. No more than one benefit, the largest benefit, is payable for all losses to the same limb due to or related to any on accident. No more than the Principal Sum is payable for all losses due to or related to any accident, except as otherwise provided under the What Benefit is Payable section on the AD&D Insurance Page.
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
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 +1-800-296-2732.
Current 2018 Premium Rates
GROUP WHOLE 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 Whole Life Rate Chart: View Rate Chart
Cash Surrender Value Rate Chart: View Rate Chart
*Monthly premium per $1,000
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.
* Payroll deduction is only available for SEIU, CSUEU, ACSS, and Retirees. All other groups leverage auto-renewal through automatic bank deduction or credit card.
FAQs
WHAT IS THE MOST IMPORTANT ADVANTAGE OF THE WHOLE LIFE INSURANCE PLAN?
HOW MUCH COVERAGE CAN I REQUEST?
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 application.
Members age 66 and over may apply for $2,500 of coverage. The application must be completed if applying for coverage after seven months of employment.
I ALREADY HAVE LIFE INSURANCE. SHOULD I APPLY FOR 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. Securing extra coverage now can be important peace of mind for your family.
The aggregate amount of coverage for all combined CSEA plans is 1 million for the member and policy regulated amounts for their spouse.
HOW DOES CSEA KEEP COVERAGE AFFORDABLE DURING THESE ECONOMIC TIMES?
CONVENIENT PAYROLL DEDUCTION
WHAT IF I CHANGE MY MIND AFTER I APPLY?
Consider the CSEA Group Whole Life Insurance Plan for your life insurance needs. You are under no risk or obligation. Once you enroll and are approved for coverage, you will be sent a Certificate of Insurance, including complete benefits and terms of the plan.
Look this information over. Then decide if you want it as ongoing protection for you and your family. If the plan is not what you had in mind, then you may cancel within 30 days of receiving your Certificate of Insurance and your premiums will be promptly refunded and your coverage invalidated, provided there have been no claims.
* Payroll deduction is only available for SEIU, CSUEU, ACSS, and Retirees. All other groups leverage auto-renewal through automatic bank deduction or credit card.
Terms
Effective Date of Coverage
Your CSEA Group Whole Life benefits can begin following approval from New York Life. Your coverage will take effect on the first day of the month after your application has been approved and first payment has been received, via payroll deduction or from CalPERS if you are retired. Once approved you will receive a Certificate of Insurance describing the terms and conditions of your coverage. If you are not working full-time on the date your insurance is scheduled to become effective, your insurance will not become effective until you return to full-time work. However, if you are not actively working due to a non-working day, you will still become insured on the scheduled effective date provided you would have been able to do your regular job on that non-working day.
When Coverage Ends
Your coverage will end upon Policy termination age as long as you continue to pay premiums when due, remain a CSEA member, and the Policy remains enforced.
Beneficiary Designation
You can name any beneficiary you wish for member coverage. You may change this beneficiary at any time, by written request. Your beneficiary is the person(s) last designated by you in writing, and recorded by or on behalf of New York Life Insurance Company. You are the automatic beneficiary for dependent insurance, as described in the Certificate of Insurance. If you wish to name another beneficiary for dependent spouse or child insurance, contact the administrator at +1-800-296-2732 for the applicable form.
Life Coverage Exclusions
In the case of death due to suicide, an attempt at suicide or intentionally injuring oneself within 12 months of coverage, the benefit will be limited to the return of premiums paid.
Accidental Death and Dismemberment Coverage Exclusions
The accidental death and dismemberment benefit does not cover loss resulting from: intentionally self-inflicted injury, suicide or attempted suicide, while sane or insane; Occurs during, is due to or related to the insured member’s duty in the military, naval or air services of any country; participation in or incarceration resulting from any of the following, other than as a victim, commission of a felony, illegal occupation or activity, an insurrection or terrorist activity; injury sustained while riding in or on, fall from or decent from any aircraft while in flight unless the insured is traveling solely as a passenger; sickness or disease or medical or surgical treatment of sickness or disease, except infections which occur as the result of an accidental bodily injury; or accidental ingestion of contaminated material, any medical, dental or surgical treatment unrelated to the accident, engagement in any of the following in a role other than as a victim: war, an act of war, or an armed conflict which involves the armed forces of one or more countries, or voluntary entry into the body of an intoxicant, excitant, hallucinogen or any narcotic or other drug or any gas, poison or poisonous substance.
THIS WEBSITE CONTAINS ONLY A GENERAL DESCRIPTION OF THE PRINCIPAL PROVISIONS, DEFINITIONS AND LIMITATIONS OF THE INSURANCE. THE COMPLETE TERMS AND CONDITIONS ARE SET FORTH IN THE GROUP POLICY ISSUED BY NEW YORK LIFE INSURANCE COMPANY FOR THE MEMBERS OF CSEA UNDER GROUP POLICY G-30382-0. PLEASE REFER TO THE CERTIFICATE OF INSURANCE.
Important Information from New York Life Insurance Company
New York Life Insurance Company reserves the right to request medical information to determine applicant’s medical eligibility for coverage. Based on the age of the person proposed for insurance and the amount of coverage requested, a physical examination, EKG, blood test or other information may be required. Not all applicants will have to supply additional information. However, if it is required, New York Life will arrange for an independent professional paramedic to contact you to perform these simple tests at your convenience. The exam and blood test are free-of-charge.
If we can provide the coverage you requested, we will inform you as to when such coverage will be effective. Under no circumstances will coverage be effective prior to this date. Payment of a premium contribution with your application does not mean that there is any insurance in force before the effective date as determined by New York Life.
IMPORTANT NOTICE:
How New York Life Obtains Information and Underwrites Your Request For Group Ordinary Life Insurance
In this notice, references to “you” and “your” include any person proposed for insurance. Information regarding insurability will be treated as confidential. In considering whether the person(s) in your request for insurance qualify for insurance , we will rely on the medical information you provide, and on the information you AUTHORIZE us to obtain from your physician, other medical practitioners and facilities, other insurance companies to which you have applied for insurance and MIB, Inc. (“MIB”). MIB is a not-for-profit organization of insurance companies, which operates an information exchange on behalf of its members. If you apply for life or health insurance coverage, a claim for benefits is submitted to an MIB member company, medical or non-medical information may be given to MIB, and such information may then be furnished by MIB, upon request, to a member company.
Your AUTHORIZATION may be used for a period of 24 months from the date you signed the application for insurance, unless sooner revoked. The AUTHORIZATION may be revoked at any time by notifying New York Life in writing at the address provided. Your revocation will not be effective to the extent New York Life or any other person already has disclosed or collected information or taken other action in reliance on it, or to the extent that New York Life has a legal right to contest a claim under an insurance certificate or the certificate itself. The information New York Life obtains through your AUTHORIZATION may become subject to further disclosure. For example, New York Life may be required to provide it to insurance, regulatory or other government agencies. In this case, the information may no longer be protected by the rules governing your AUTHORIZATION.
MIB and other insurance companies may also furnish New York Life, its subsidiaries or the Plan Administrator with non-medical information (such as driving records, past convictions, hazardous sport or aviation activity, use of alcohol or drugs, and other applications for insurance). The information provided may include information that may predate the time frame stated on the medical questions section, if any, on this application. This information may be used during the underwriting and claims processes, where permitted by law.
New York Life may release this information to the Plan Administrator, other insurance companies to which you may apply for life and health insurance, or to which a claim for benefits may be submitted and to others whom you authorize in writing, however, this will not be done in connection with test results concerning Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV). We may also make a brief report of your protected health information to MIB, but we will not disclose our underwriting decision.
New York Life will not disclose such information to anyone except those you authorize or where required or permitted by law. Information in our files may be seen by New York Life and Plan Administrator employees, but only on a “need to know” basis in considering your request. Upon receipt of all requested information, we will make a determination as to whether your request for insurance can be approved.
If we cannot provide the coverage you requested, we will tell you why. If you feel our information is inaccurate, you will be given a chance to correct or complete the information in our files. Upon written request to New York Life or MIB, you will be provided with non-medical information. Generally, medical information will be given either directly to the proposed insured or to a medical professional designated by the proposed insured. Your request is handled in accordance with the Federal Fair Credit Reporting Act procedures. If you question the accuracy of the information provided by MIB, you may contact MIB and seek a correction. MIB’s information office is: MIB, Inc., 50 Braintree Hill Park, Suite 400, Braintree, MA 02184-8734, telephone 866-692-6901 (TTY 866 346-3642). For Canadian residents, the address is: MIB Information Office, 330 University Avenue, Suite 501, Toronto, Ontario, Canada M5G 1R7, telephone +1-416-597-0590. Information for consumers about MIB may be obtained on its website at www.mib.com.
NEW YORK LIFE INSURANCE COMPANY 6.15 ED.
If we can provide the coverage you requested, we will inform you as to when such coverage will be effective. Under no circumstances will coverage be effective prior to this date. Payment of a premium contribution with your application does not mean that there is any insurance in force before the effective date as determined by New York Life.
Endorsed by: California State Employees Association
CSEA incurs certain administrative expenses in connection with this sponsored program. To provide and maintain this valuable membership benefit it is reimbursed for such expenses.
California State Employees Association
Administered by A.G.I.A., Inc.
PO Box 9997 Phoenix, AZ 85068-0997
A.G.I.A, Inc. is licensed and authorized to transact business in all 50 United States and the District of Columbia. Their state of domicile is California. J. Christopher Burke CA Insurance License #0F709407. J. Christopher Burke AR Insurance License #8876308.
This Group Whole Life Insurance Plan is underwritten by:
New York Life Insurance Company
51 Madison Avenue
New York, NY 10010
Under Group Policy G-30382-0 on policy form GMR-FACE/G-30382-0.
New York Life is licensed/authorized to transact business in all of the 50 United States, District of Columbia, Puerto Rico and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the plan details for current availability.
New York Life Insurance Company’s state of domicile is New York and their NAIC ID# is 55915.
This is not a policy or Certificate of Insurance. It merely summarizes the benefits available and is for informational purposes only. The complete terms and provisions of coverage and conditions under which it may be kept in force are contained in the Group Master Policy issued by New York Life Insurance to the California State Employees Association.
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| Form | Download |
|---|---|
| Group-Whole-Life-Application-retirees.pdf | Download |
WHOLE 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 competitive coverage into your retirement that provides cash value and tax-advantage estate planning, seriously consider the CSEA Group Whole Life Insurance Plan. This plan is best for you 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 quality term life coverage and works best if you need life insurance protection during your working years.