Voluntary Plans

Accidental Death and Dismemberment (AD&D)

Accidental death & dismemberment plan, offered by The Standard, pays a benefit to the employee or his/her selected beneficiary in the event of death due to an accident or dismemberment at a benefit level selected by the employee.
Offered to all regular benefits eligible CSU employees. Coverage for eligible dependents available at an additional cost.
Eligible employees can enroll at any time during the year and will not be subject to Evidence of Insurability.

For more information go to http://www.standard.com/mybenefits/csu or contact The Standard customer service at 1-800-378-5745. To apply, make changes, or review benefits log in at https://standard.benselect.com/csu.

Voluntary Accidental Death and Dismemberment (AD&D)

Accident Insurance

Accidents can happen when least expected, and while they can’t always be prevented, you can have the financial support to make your recovery less expensive and stressful. This insurance, provided by The Standard, can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, and more.
As the new vendor for both Critical Illness and Accident Insurance, a special enrollment period will be held for The Standard in early 2020.
More information, visit the CSU The Standard - MyBenefits page. If you have additional questions about Accident insurance, or for more information about how to apply for this important coverage, please contact The Standard at 800.378.5745.

Auto and Home Insurance

Auto and Home insurance is offered to all CSU employees, excluding Rehired Annuitants and Students, 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.

California Casualty Auto and Home Insurance

CalPERS Long-Term Care Plan - Program closed for new enrollees at this time

Long-term care plans cover certain services provided in a setting other than an acute care unit of a hospital, such as a nursing home, residential care facility, adult day care center or in the home, according to the plan selected.
A person requires long-term care when he or she needs help with two or more of the six Activities of Daily Living (ADLs): bathing, dressing, toileting, transferring (moving in and out of a bed, chair or wheelchair), eating or continence.
Three plans to choose from: (a) comprehensive, (b) facilities only, and (c) partnership.
Offered to all CalPERS employees, spouses, parents, parents-in-law and siblings (age 18 and older).
Entirely employee-paid.
Contact the CalPERS Long-Term Care Program at 1-800-908-9119.
Long Term Care Decisions
Long Term Care Program
Long Term Care Resource Page

Group Critical Illness Plan

Group critical illness plan, will be offered through The Standard in early 2020, provides a lump-sum payment to cover out-of-pocket medical expenses and costs associated with life-changes following the diagnosis of a covered critical illness.
Offered to all CSU employees, excluding Rehired Annuitants, Special Consultants, Hourly Intermittent employees and Students. Coverage is available for eligible dependents.
Employee must be covered under a comprehensive health insurance plan or Health Maintenance Organization (HMO).

More information, visit The Standard website. If you have additional questions about Critical Illness insurance, or for more information about how to apply for this important coverage, please contact The Standard at 800.378.5745.

Critical Illness/Accident - Open Enrollment Webinar Series

ARAG Legal Insurance

ARAG® Legal Insurance Plan (ARAG Legal Insurance) will replace MetLife Legal Plan, effective January 1, 2024. Employees currently enrolled in MetLife Legal Plan will be automatically enrolled in the ARAG Legal Insurance effective January 1, 2024. No action is needed during open enrollment to remain in the CSU legal plan offering. The new legal insurance rate will be $16.95 per month. Employees that are automatically enrolled in ARAG will receive a welcome email from ARAG with their Member ID and steps to get started. Employees can create their online account, review coverage details, and even start a case online effective with the new plan year.

Employees can choose to discontinue enrollment during open enrollment if they do not wish to be automatically enrolled in the new ARAG Legal Insurance Plan by contacting ARAG’s Customer Care at 800-247-4184 or email service@ARAGlegal.com before 5pm PT on October 13, 2023, and provide policy ID number 19061csu.

To enroll as a new participant, visit ARAG's Website

Nationwide Pet Insurance

Nationwide is offering two benefit options for your pets. This insurance can cover your pet’s accidents, illness and even preventive care and wellness services.
Plans are available for dogs, cats, birds, small mammals and exotics (such as reptiles).
Employees can enroll during open enrollment and coverage will be effective January 1, 2020.

To learn more about this plan and/or to enroll, visit www.petinsurance.com/calstate, or call (877) 738-7874.

Voluntary Insurance and Benefit Programs

Employees have the option to enroll in several types of voluntary insurance and benefit plans. These plans are entirely employee paid:

Voluntary Life Insurance

Life Insurance is designed to help protect your loved ones if you are not there for them.

The advantages to you include:

Convenience. With premiums deducted directly from your paycheck, you don’t have to worry about mailing monthly payments.
Savings. Typically, group insurance rates are lower than the rates of individual insurance plans, generally providing you with coverage at a lower cost.
Choice. You decide how much coverage you want from the range of amounts available.
Flexibility. If your needs change, you can apply to change the amount of your coverage. Take it with you. Should your employment end, you may be eligible to continue your coverage (portability) at the same rates.
Peace of Mind. You will take pride and satisfaction in knowing that you have done something positive for your family’s future.
For more information, please review the Life Insurance Brochure and visit The Standard Website to enroll. You can also contact them directly at 800.378.5745 if you have any questions.

Voluntary Long-Term Disability (LTD)

Voluntary Long-Term Disability plan, offered by The Standard, provides loss of income protection (up to 60%) due to a qualified disability.
All benefits eligible employees who are noteligible for the CSU-paid LTD plan may apply.
Two plans are offered, one with a 30-day and one with a 90-day waiting period.

Voluntary Long Term Disability