Group Travel Accident Insurance

Because CSEA Affiliate Members are “on-the-move” people. With our active outdoor lifestyles, we’re often “out and about” in cars, planes, buses, taxis, trains, ships, ferries and more. So we set up the Travel Accident Insurance as an extra-mile safety net to help protect CSEA families from accidents in exactly those situations.

Because the Travel Accident Insurance isn’t weighed down by unnecessary features that drive up costs. As a result, you can lock in high dollar benefits paid straight to your loved ones – without paying extra money for expensive bells and whistles that you don’t need.

Because your family is probably on the go just as much as you. You all travel – whether it’s across town for groceries, to school, to another state for family vacations, or across the country for work. Since no one can predict how or when an accident will strike, consider full family protection by choosing the “All Of Us” option when you apply for Travel Accident Protection.

CSEA set up the Travel Accident Insurance to be paid in addition to any other benefits you may have. That means your family will collect the full Travel Accident cash benefits they’re entitled to – REGARDLESS of any other insurance proceeds from a medical plan, life insurance, workers’ compensation or any other program.

Yes. You’re eligible for coverage as long as you are a CSEA Affiliate Member in good standing and residing in the U.S.

For easy budgeting, premiums are deducted from your paycheck.

If you decide Travel Accident Insurance isn’t for you, just let us know within the first 30 days. We’ll promptly refund your premiums, provided no claims have been paid, and invalidate your coverage. No questions. No obligation.

Your coverage will remain in force as long as the Master Policy remains in place and is not amended to end insurance for the group of individuals to whom you belong, you pay the premium when due, and you remain a Member of the CSEA. Coverage for your dependents ends when your coverage ends or when the eligibility requirements cease being met.

Total maximum benefit will be reduced to $10,000 (includes combination of principal sum and In-Hospital confinement expenses) upon reaching age 80 for a member and spouse. Premiums remain the same.

COMMON CARRIER means a conveyance operated by a concern, if: (a) such concern is organized and licensed for the transportation of passengers for hire, including a commercial passenger plane, taxi, bus, cruise ship, subway or train; and (b) such conveyance is operated by an employee of such concern.

PRIVATE PASSENGER VEHICLE means a validly registered four-wheeled privately owned or Employer-owned car, jeep, truck, RV, pickup or van, including a sport utility vehicle (SUV), that is not licensed commercially or being used for racing, or acrobatic or stunt driving.

IN-HOSPITAL BENEFIT – A benefit of $200 a day is payable if the covered member is confined to a Hospital because of a covered common carrier accident. Benefits for private passenger vehicle accidents are $100 a day for the covered member. The maximum benefit period is two years from the date of the accident. For Dependents, the following percentage of the member’s In-Hospital Confinement Benefits are payable: Spouse only-50%; If you have children and spouse: Spouse benefit equals 40% and children’s benefit equals 10%; if no spouse, children’s benefit equals 10%.

“Hospital” means a licensed institution primarily engaged in providing medical services for inpatients, if such institution has (a) permanent facilities for diagnosis and surgery; (b) 24-hour-a-day nursing service by registered professional nurses on duty or call; and (c) continuous supervision by a staff of one or more Doctors. “Hospital” does not include an institution licensed or used principally for treatment or care of drug addicts or alcoholics, a convalescent home, nursing home, a rest home, a place for the aged or an extended care facility.

“Doctor” means: (a) a licensed physician, dentist, osteopath, optometrist, podiatrist, psychologist, registered clinical psychologist, psychiatrist, chiropractor, licensed or certified physiotherapist; (b) a Christian Science Practitioner, currently listed and certified by the First Church Of Christ, Scientist, of Boston, Massachusetts, while such practitioner provides in-person treatment; or (c) a licensed medical practitioner whose services are required to be covered by law and who renders such services within the scope of his or her license. “Doctor” does not include the covered person or his or her: parent; guardian; spouse; brother; sister; natural, step, adopted or foster child; grandparent; in-law; or a person residing in the covered person’s household.

SEAT BELT BENEFIT – New York Life will pay an additional benefit of 10% of the Amount Of Insurance if a covered person’s death is a Covered Loss that occurred while: (a) traveling in a private passenger vehicle; (b) the seatbelt was in proper use by the covered person at the time of the accident as certified in the accident report or by the investigating officer; and (c) the driver of the private passenger vehicle was a licensed driver and was not intoxicated, impaired or under the influence of alcohol or drugs. The benefit amount is stated on the Schedule page(s).

A copy of the accident report made out by the police must be submitted to New York Life.

AIR BAG BENEFIT – If the Seat Belt Benefit is payable as stated above, New York Life will pay an additional benefit of 10% of the Amount Of Insurance if the covered person was positioned in a seat protected by a properly functioning, original, factory-installed airbag system that inflates on impact when the accident occurred. The benefit amount is stated on the Schedule page(s).

The policy does not cover any loss resulting from: intentionally self-inflicted injury, suicide or attempted suicide, whether sane or insane; war or act of war, whether declared or undeclared; injury sustained while full-time in the armed forces of any country or international authority; injury sustained while traveling in, on, or falling or descending from any aircraft unless traveling solely as a passenger; injury sustained while voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is taken as prescribed or administered by a licensed physician; injury sustained while committing or attempting to commit a felony; injury sustained as a result of being legally intoxicated from the use of alcohol.

NOTE: This information explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this brochure and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by New York Life Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the Policyholder. This program may vary and may not be available to residents of all states. This is Limited Accident only coverage.

Endorsed by: California State Employees Association

CSEA incurs certain administrative expenses in connection with this sponsored program. To provide and maintain this valuable membership benefit it is reimbursed for such expenses.

California State Employees Association
Administered by A.G.I.A., Inc.
PO Box 9997 Phoenix, AZ 85068-0997

A.G.I.A, Inc. is licensed and authorized to transact business in all 50 United States and the District of Columbia. Their state of domicile is California.

Joseph Guerrero CA Insurance License #0B54298. Joseph Guerrero AR Insurance License #766720.

AGIA Insurance Services, Inc.
P.O. Box 26860
Phoenix, AZ 85068

A.G.I.A., Inc., is licensed/authorized to transact business in all 50 United States, and the District of Columbia. Their state of domicile is California. Joseph Guerrero California Agent Insurance license number is 0B54298. Joseph Guerrero Arkansas Agent Insurance license number is 766720.