Retiree Level Group Term Life

No. However, this is very special coverage because your premium remains level until age 100 and is paid coverage after age 100.

AN ACCIDENTAL DEATH BENEFIT PAYOUT FOR THE FIRST TWO CERTIFICATE YEARS

Death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary received an amount equal to 110% of the premiums paid. Full benefits will be paid for accidental death from first day of coverage. 

There is a limited benefit: Death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary receives an amount equal to 110% of the premiums paid. Full benefits will be paid for accidental death from first day of coverage. 

The following losses are excluded:
Air Travel – A loss that occurs during or is a direct result of the INSURED MEMBER’S travel in, travel on, fall from, or descent from any aircraft while such aircraft is in flight, unless the INSURED MEMBER is traveling solely as a passenger.

Crime/Illegal Occupation/Illegal Activity – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the INSURED MEMBER’S active participation in or incarceration resulting from any of the following in a role other than as a victim: (a) the commission of a felony; (b) an illegal occupation or activity; (c) an insurrection; or (d) a riot.

Disease/Infirmity – A loss that is due to or related to: (a) disease or bodily infirmity of mind or body; (b) medical or surgical treatment of such disease or bodily infirmity; or (c) bacterial infections, except infections which occur as the result of an: (1) accidental cut or wound; or (2) accidental ingestion of contaminated material.

Drugs – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the INSURED MEMBER’S: (1) use of drugs, intoxicants, narcotics, barbiturates, or hallucinogenic agents, unless such use is as prescribed by a doctor or accidentally administered; or (2) legal intoxication.

Military Service – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the INSURED MEMBER’S duty in the military, naval, or air services of any country.

Self-Inflicted Injury/Suicide – A loss that: (a) is due to or is related to: (1) suicide; (2) an attempt at suicide; or (3) an intentionally self-inflicted injury; (b) occurs during an attempt at suicide; or (c) occurs while intentionally
injuring oneself; while the INSURED MEMBER is sane or insane.

Treatment – A loss that: (a) occurs during; (b) is due to; or (c) is related to; any medical, dental, or surgical treatment unrelated to the accident which would otherwise entitle the INSURED MEMBER to benefits.

War Conditions – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the INSURED MEMBER ‘S engagement in any of the following in a role other than as a victim: (a) in war, (b) an act of war, or (c) an armed conflict which involves the armed forces of one or more countries.

For The Benefit To Be Paid For a Covered Loss: (a) New York Life must receive satisfactory proof of the INSURED MEMBER ‘S loss within 90 days after such loss. If it is not possible to give proof within such 90 day period, it must be given as soon as reasonably possible; and (b) it must be determined that the loss is a Covered Loss. 

By applying for coverage, your spouse is eligible for dependent coverage and can apply for coverage amount of $5,000. Your spouse must reside in the United States and be between the ages of 40-80 to apply. As long as you are insured under this coverage your spouse is eligible for guaranteed issue coverage. 

Note if your spouse is also a CSEA member, they would not be eligible for dependent coverage and must apply separately.

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 insurance 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.

If you are applying within the first eleven months of retirement, you are guaranteed coverage of $10,000 or $20,000. Your spouse is also guaranteed for to $5,000.

If you are applying after eleven months of employment, you must complete the simplified issued application. You will need to answer a few basic health questions in order for you and, if you choose, your spouse to apply.

The insurance for a Dependent spouse of an active employee working at least 20 hours per week shall not become effective without the Company's approval of Evidence of Insurability unless such insurance is applied for:

1. at the same time as your initial application that occurs within the first 7 months of employment; or
2. within the first 31 days of the Dependent becoming your eligible spouse.

For initial insurance covering Retired Employees and their Dependent spouses; and for all increases to existing insurance for either Employees, Retired Employees or Dependent spouses; such insurance shall not become effective without the Company's approval of Evidence of Insurability.

Any dependent eligible for CSEA or Association Partnership Program membership or in full-time military service is not eligible to be covered as a dependent.

* Payroll deduction is only available for SEIU, CSUEU, ACSS. Retirees will be deducted from CalPERS. All other groups leverage auto-renewal through automatic bank deduction or credit card.