Voluntary Benefits

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Voluntary Benefits

CSU offers group voluntary benefits specifically designed to protect your income and assets. Products offered include MetLaw Group Legal Plan by Hyatt Legal Plans, Group Critical Illness Insurance by Aflac, Accidental Death and Dismemberment Insurance by The Standard, Voluntary Life Insurance by The Standard, Voluntary Long-Term Disability Insurance by The Standard, and Auto and Homeowners Insurance by California Casualty.

MetLaw® Legal Plan

Met Law Group Legal Plan has a designated enrollment election period. The annual open enrollment period for the plan will be held in conjunction with the CSU annual open enrollment period from September 16, 2013 through October 11, 2013. Employees that do not enroll in the plan during open enrollment or within 60 days of employment will not have another opportunity to enroll in the plan until next year’s open enrollment period.

Critical Illness Plan

The Group Critical Illness plan, offered by Aflac, provides a lump-sum benefit payment to cover out-of-pocket medical expenses and the costs associated with life-changes following the diagnosis of a covered critical illness. Critical Illnesses covered under the plan include the following: Heart Attack, Stroke, Major Organ Transplant, Renal Failure (End Stage), Cancer, Carcinoma in situ, Coronary Artery Bypass Surgery, and Skin Cancer.

Voluntary Life Insurance

The Standard offers CSU eligible employees the opportunity to purchase Voluntary Life Insurance at a competitive group rate. This plan does not have a formal open enrollment period. Eligible employees can enroll in the benefit at any time during employment. If an employee chooses to enroll after the first sixty (60) days of hire or eligibility, the employee will be subject to Evidence of Insurability (EOI) requirements.

Voluntary Long Term Disability Insurance

The Voluntary Long Term Disability Plan administered by The Standard, provides loss of income protection (up to 60%) due to a qualified disability. The vendor offers two (2) different plan options which include a 30 or 90 day waiting period. Eligible employees can enroll in the benefit at any time during employment. If an employee chooses to enroll after the first sixty (60) days of hire or eligibility, the employee will be subject to Evidence of Insurability (EOI) requirements.

Voluntary Accidental Death and Dismemberment (AD&D) Insurance

The Voluntary AD&D Plan administered by The Standard covers employees and their dependents in the event of death or dismemberment as a result of a covered accident. Coverage may be elected in amounts from $25,000 up to $1 million dollars. This plan does not have a formal open enrollment period. Eligible employees can enroll in the benefit at any time during employment.

Auto and Home Insurance

The Auto and Home Insurance plan offered by California Casualty, allows CSU eligible employees to obtain auto and home insurance policies at a discounted rate. The plan also has an identity theft component known as ID Defense. All policies are written for a 12-month period. Eligible employees can enroll in this benefit at any time during employment.

Benefit plan information, open enrollment instructions and links to the vendors’ website can be viewed on the Open Enrollment page of our website or the CSU Benefits Portal.