Eligibility: You are enrolled in $70,000 of Basic Group Term Life and AD&D for non-accidental deaths.

Imputed Income: The Internal Revenue Code requires that the imputed value of employer provided life insurance exceeding $50,000 be added as taxable income to the employee. The amount of imputed income is age-based and is generally nominal.

Age Reduction: Basic group term life and AD&D Insurance Benefits reduce to 65% of the Plan coverage amount in January of the year following your 70th birthday and further reduce to 50% of the Plan coverage amount in January of the year following your 75th birthday. 

Accidental Death and Dismemberment: For deaths resulting from an accident, the benefit will be equal to $140,000 ($70,000 basic group term life + $70,000 Accidental Death), less any age reductions.

Eligibility: This voluntary group term life insurance plan is an optional plan, which allows you to choose levels of coverage, in increments of $10,000, up to $500,000 for the employee.

Age Reduction: Life insurance benefits reduce to 65% of the prior coverage in January of the year following the 70th birthday and further reduce to 50% of the amount of prior coverage in January of the year following the 75th birthday. Premiums will be based on the reduced coverage.

Guaranteed Issue Amounts (Newly Eligible and Mid-Year Events): You may enroll within 30 days of your eligibility date. “Initial” enrollments up to $250,000 in coverage will be guaranteed for the employee automatically without requiring evidence of insurability. Initial enrollments in excess of $250,000 will require completion/approval of a Personal Health Application (Evidence of Insurability), which will be emailed to you following enrollment.

Guaranteed Issue Amounts (Open Enrollment): During the benefits open enrollment period, you can enroll, apply for an increase, decrease, or cancel your voluntary life insurance. Open enrollment allows you to elect or increase your voluntary life coverage in increments of $10,000 up to $30,000 automatically, unless the total policy amount exceeds $250,000 which requires a Personal Health Application (Evidence of Insurability). 

Eligibility: This voluntary group term life insurance plan is an optional plan, which allows you to choose levels of coverage, in increments of $10,000, up to $300,000 for the spouse, domestic partner, or civil union partner.

Age Reduction: Life insurance benefits reduce to 65% of the prior coverage in January of the year following the 70th birthday and further reduce to 50% of the amount of prior coverage in January of the year following the 75th birthday. Premiums will be based on the reduced coverage.

Guaranteed Issue Amounts (Newly Eligible and Mid-Year Events): You may enroll your spouse, domestic partner or civil union partner within 30 days of your eligibility date. “Initial” enrollments up to $50,000 in coverage will be guaranteed automatically without requiring evidence of insurability. Initial enrollments in excess of $50,000 will require completion/approval of a Personal Health Application (Evidence of Insurability), which will be emailed to you following enrollment.

Guaranteed Issue Amounts (Open Enrollment): During the benefits open enrollment period, you can enroll, apply for an increase, decrease, or cancel voluntary life insurance for your spouse, domestic partner or civil union partner. Open enrollment allows you to elect or increase your spouse life coverage in increments of $10,000 up to $30,000 automatically, unless the total policy amount exceeds $50,000 which requires a Personal Health Application (Evidence of Insurability). 

Child Life Insurance ($20,000): Child life rates are per UNIT. A unit consists of all eligible child(ren) per family. If your spouse, domestic partner or civil union partner also works at CSU and is eligible for the CSU Benefits Plan, only one of you may choose child(ren) life insurance coverage. Duplicate coverage is not allowed under this plan.

Eligible participants will be protected 24 hours a day, 365 days a year, for covered accidents occurring anywhere in the world, on or off the job, at home or while traveling (subject to the Exclusions and Limitations of the Contract).

Eligibility: You may enroll in this Voluntary AD&D Insurance within 30 days of the date you become eligible. Coverage is generally effective the first of the month following your hire/change date providing you meet any applicable actively at work provisions. 

Amount of Insurance: You may elect any multiple of $25,000 up to a maximum amount of $500,000. The amount of insurance on each of your eligible dependents is a percent of your amount. The percentage that applies on any date is shown below:

• Your spouse, domestic partner or civil union partner: 60%
• Your child(ren): 25% on each child
• Your spouse, domestic partner or civil union partner and child(ren): 50% on your spouse, domestic partner or civil union partner, and 15% on each child.

 For more information see the Summary Plan Booklet.

Travel Assistance with ID Theft Resolution Services: Toll-free emergency assistance is available to you, your spouse, domestic partner, civil union partner or your children 24 hours a day, seven days a week when traveling 100 miles or more away from your primary home for 90 days or less. 

The Travel Assistance program provides services for your business or vacation travel by offering, emergency medical assistance, emergency personal services, pre-trip planning or identity theft resources if a wallet is lost or stolen.

The Hartford’s Travel Assistance and Identity Theft Resolution programs are provided by Europ Assistance USA. They have the expertise to handle the complex issues involved with travel emergencies and identity theft. Services include, but are not limited to:

• Medical Services – Referrals, monitoring, medical evacuation, repatriation, emergency medical payments, medication assistance, return of mortal remains
• Traveling Assistance – Dependent children assistance, emergency travel arrangements, translation services
• Financial Assistance – Emergency cash, locating lost items (i.e. wallet), legal assistance, bail advancement
• Identity Theft – Identity theft awareness and education, identity theft victim solutions.

If you would like information, please visit The Hartford website. Some restrictions and exclusions apply. Contact Europ Assistance Services USA at: Toll Free from U.S. or Canada: (800) 243-6108 or collect from other locations: (202) 828-5885 Fax: (202) 331-1528. 

Life Conversations

Rely on Life Conversations for reassuring support and the right answers such as selecting the appropriate amount of life insurance, creating a will / estate planning, funeral planning or grief counseling.

Life Conversations is a single source to help families prepare for the future and navigate difficult end-of-life decisions. Life Conversations includes access to tools and services, including Everest, the first nationwide funeral planning and concierge service. Call (866) 854-5429 or visit The Hartford website for more information.

Basic Life: Subsequent to coverage termination, you will be contacted by The Hartford regarding your Conversion and/or Portability options. If you wish to convert (no age limit) or port (limited to age 70) your coverage, you must do so within 31 days of your notification date. Portability rates match the voluntary life rates; you must request a quote for Conversion rates from The Hartford.

Voluntary Life and Spouse: Portability rates match the voluntary life rates; you must request a quote for Conversion rates from The Hartford. A child reaching the plans limiting age of 26 is not eligible for Portability, but may apply for
Conversion.

Voluntary AD&D: Subsequent to coverage termination, you will be contacted by the Hartford regarding your Conversion options. If you wish to convert your coverage, you must do so within 31 days of your notification date. You must request a quote for Conversion rates from The Hartford. There is no Portability Policy available for this plan.

If you have questions about the coverage, contact The Hartford at (877) 320-0484.

Living Benefits Option (Accelerated Death Benefit):  Accelerated Death Benefits are available if you are diagnosed with a terminal illness, which is expected to result in your death within 12 months and from which there is no reasonable prospect of recovery. You may be eligible to receive up to 80% of your life insurance benefits up to a maximum of $56,000.

Continuation of Life Insurance Benefits Due to Total Disability: If You are Totally Disabled, your Life Insurance Benefits may be continued if:

• the Total Disability began while you were insured under this Policy;
• the Total Disability began before you reached age 60;
• you have completed your Disability Elimination Period; and
• proof of the Total Disability is given to The Hartford as described.

You must notify The Hartford of your Total Disability during the Disability Application Period which is the nine consecutive months of Total Disability beginning on the date you first become Totally Disabled.

Please contact The Hartford at (800) 523-2233 for more information.