Supplemental Insurance

The Research Foundation offers its employees supplemental insurance options through Equitable and AFLAC.

Equitable

All benefited employees can purchase additional voluntary life insurance for themselves (cap of 3 times the employee’s salary or max $250,000), their spouse (max $50,000, 50% of employee voluntary life) and their children (max $10,000 per child) at group rates through Equitable. New hires are eligible to enroll at time of hire without evidence of insurability. Current employees of the Research Foundation who wish to purchase this insurance can do so during open enrollment and must provide evidence of insurability.

Please contact the Human Resources department for more information at fdn-hr-group@sjsu.edu.  

AFLAC

The Research Foundation makes (American Family Life Assurance Company
(AFLAC) policies available to help eligible employees with out-of-pocket health care expenses. These supplemental AFLAC policies are 100% employee-paid and are available on a voluntary basis and are portable. You can sign up for AFLAC programs when newly hired as a benefitted employee or during open enrollment. These programs are listed below.

Personal Cancer Indemnity

  • A lump-sum benefit $4,000 payable upon initial cancer
  • A wellness benefit payable for cancer Benefits payable for radiation, chemotherapy, experimental treatments, surgery, skin cancer surgery, breast and other/ reconstruction.
  • Daily hospitalization benefits payable for hospital stays, extended facility, home & hospice care, nursing
  • Transportation and lodging benefits payable for travel to receive
  • Dependent children covered at no additional cost

Semi-monthly Cost

  • Employee Only - 20.18
  • Employee + Child - 20.64
  • Employee + Spouse – 36.30
  • Family – 36.76    

Critical Care Protection Option 2

  • $7,500 First Occurrence Benefit Heart Attack, Stroke, Cardiac Arrest, Third-Degree Burns, Coma, Paralysis
  • Coronary Angioplasty, Hospital Confinement Hospital Intensive Care Unit
  • Continuing Care Benefit Ambulance Benefit
  • Lodging Benefit & Transportation

Semi-monthly Cost

  • Employee Only – 8.45 – 21.12
  • Employee + Child – 14.37 -28.80
  • Employee + Spouse – 16.25 – 39.65
  • Family – 18.46 – 43.03

*Pricing based on Age*

Hospital Confinement pays $1000 

  • Rehabilitation pays $100 per day up to 15 days Emergency Room pays $100, 2 payments per year, per person
  • Hospital Short Stay pays $100 less than 23 hours, 2 payments per year, per person
  • Physician Visits, Laboratory Test, X-Ray, Medical Diagnostic & Imaging, Ambulance Benefit, Surgery, Invasive Diagnostic Exams, ICU.

Semi-monthly Cost

  • Employee Only – 29.06 – 36.98
  • Employee + Child – 42.31 – 49.85
  • Employee + Spouse – 42.31 – 49.85
  • Family – 53.37 – 70.46

*Pricing based on Age*

Accident Advantage Option 3

  • Covers you & your family 24/7
  • At work, sports, school, home, commuting
  • Pays $1000 Initial Hospitalization, $2,000 Intensive care
  • Pays $250 per day of Hospitalization
  • $60 Wellness once per calendar year, per family
  • Accidental Death Benefit $40,000

Semi-monthly Cost

  • Employee Only – 13.46
  • Employee + Child – 20.86
  • Employee + Spouse – 17.94
  • Family – 26.26

Short-Term Disability w/ Guaranteed Issue

  • Pays in addition to State disability
  • Covers off the job accidents and illnesses
  • Benefits for Total & Partial Disability and Maternity Leave 

Semi-monthly Cost

  • Average   11.70 - 39.71
  • Individually quoted  

Based on income and benefit chosen    

Life Protector

  • Up to $500,000
  • Whole Life or 10, 20 or 30 year term
  • Also available for your spouse & children
  • Both available w/accelerated death benefit and accidental death benefit rider 

Semi-monthly Cost

  • Average   4.03 - 32.50
  • Individually quoted  

Additional Dental, Vision & Life Insurance

Semi-monthly Cost

  • Individually quoted