Paid Basic Term Life and
AD&D Insurance

The Standard Life Insurance Company (The Standard) is the CSU’s insurance carrier for employer-paid basic term life and accidental death and dismemberment (AD&D) insurance. The CSU offers this employer-paid insurance to eligible employees within specified employee categories. The amount of coverage varies by employee category.

Employee Category

Policy Class Number

Amount of Coverage

Basic Term Life

AD&D

Executive (M98)

Class 1

$250,000

$250,000

Management (M80)

Class 2

$100,000

$100,000

Confidential (C99)

Class 3

$50,000

$50,000

Faculty (R03)

Class 4

$50,000

$50,000

Teaching Associates (E99)

Class 5

$50,000

$0

Academic Professionals (R04)

Class 6

$25,000

$25,000

Public Safety (R08)

Class 7

$10,000

$10,000

CSEA (R02, 05, 07, 09)

Class 8

$10,000

$10,000

The Standard’s basic term life and AD&D insurance plan contains a number of enhanced coverage features including:

  1. Waiver of premium for disabled employees
  2. Limited portability, and
  3. Living death benefit.

Effective Date of Coverage

Eligible employees are automatically enrolled in The Standard's basic term life and AD&D insurance. The effective date for basic term life and AD&D insurance is the first of the month following appointment.

Premiums automatically cease when an employee goes on:

  • Leave of absence without pay
  • Temporary disability compensation
  • Non-industrial disability leave
  • Industrial disability leave, or
  • Other non-pay status.

Premiums will commence once the employee returns to active pay status.

Eligibility

The Standard Life Insurance Company (The Standard) is the CSU’s insurance carrier for employer-paid basic term life and accidental death and dismemberment (AD&D) insurance.

To be eligible for CSU-paid basic term life and AD&D insurance:

  • An employee must be appointed at least half-time (equivalent to 7.5 Weighted Teaching Units for academic year appointments) for more than six months in an eligible employee category.
  • If employed in an R03 Lecturer or Coach Academic Year position, employee must be appointed for at least six (6) weighted teaching units for at least one semester, or two or more consecutive quarter terms.
  • Qualifying appointments may be either permanent or temporary.

Once an employee has acquired eligibility and has been enrolled in The Standard plan, he/she may continue enrollment during subsequent continuous appointments of at least half-time regardless of the duration of the new appointment.

Employees excluded from benefits include:

  • Intermittent employees
  • Student assistants
  • Graduate assistants
  • Faculty employed solely to teach summer session, extension, or intersession, or
  • Any employee paid from funds not controlled by the California State University or from revolving or similar funds from which a regular California State University premium payment cannot be made.

Accidental Death & Dismemberment 

Description

Coverage

Accidental Death

Principal Amount

Accidental Dismemberment

 

Loss of both hands or both feet, sight of both eyes, one hand and one food, speech and hearing of both ears, or either hand or foot and sight of one eye, Quadriplegia (total paralysis of both upper and lower limbs)

Principal Amount

Paraplegia (total paralysis of both lower limbs)

Three-Fourths the Principal Amount

Hemiplegia (total paralysis of upper and lower limbs on one side of the body), either hand or foot, sight of one eye, speech or hearing of both ears

One-Half the Principal Amount

Loss of hearing of one ear, or thumb and index finger of same hand

One-Quarter the 
Principal Amount