AN ACCIDENTAL DEATH BENEFIT PAYOUT FOR THE FIRST TWO CERTIFICATE YEARS.

Death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary receives an amount equal to 110% of the premiums paid. Full benefits will be paid for accidental death from first day of coverage. After two years, full benefits are payable for any covered loss.

All CSEA Affiliate members under age 65 and working at least 20 hours per week are guaranteed approval for up to $50,000 coverage. No medical exam or health questions are required. Your spouse under age 65 is also guaranteed approval as long as you apply. Spouse’s coverage amount cannot exceed member’s amount.

If you change your mind, you can return your Certificate of Insurance within 30 days, without claim, and get a full refund of any premium paid – no obligation, no questions asked.

Many families are looking for long-term financial security they can depend on. This plan allows members and their spouses to lock in member exclusive rates and coverage amounts for 10 years. This makes it easy to fit within your busy lifestyle, as well as budget from year to year with the guarantee of no rate increases.

CSEA members who are under age 65, U.S residents, actively employed and working at least 20 hours per week can apply for coverage. Evidence of Insurability is required.

Retired CSEA members are still eligible for coverage provided they are under the age of 65, and remain a Retired CSEA member. Evidence of Insurability is required.

You must not be on active duty with the military.

Yes! You can apply to have your spouse covered for the same coverage, but it cannot exceed you, the member’s, coverage. They too can start at $100,000 and add on increments of $10,000 up to a maximum amount of the lesser of $1,000,000.

Accidents rank as the third leading causes of deaths in our country, according to the National Safety Council¹. It may make sense to add extra protection for accidental deaths or injuries. The CSEA endorsed Group Accidental Death and Dismemberment Insurance Plan pays benefits to cover the unique costs associated with accidents – in addition to any coverage you already have. Add up to $500,000 of protection for just pennies a day.

1All Leading Causes of Death – Injury Facts, injuryfacts.nsc.org/all-injuries/deaths-by-demographics/all-leading-causes-of-death/. 2026.

No because auto insurance protects your vehicle. And CSEA endorsed Group Accidental Death and Dismemberment Insurance Coverage protects you. You’re paid directly to spend the money as your family sees fit. Plus, the CSEA endorsed Group Accidental Death and Dismemberment Insurance Coverage pays an extra benefit if you’re wearing your seat belt. Collect up to an additional $10,000 (or 10% of your principal benefit, whichever is less) if you or a dependent die in an auto accident while wearing a seat belt.

The CSEA endorsed Accident Coverage can pay up to $3,000 education benefits for your covered spouse to advance his/her education if you die from a covered accident. Plus, it can pay up to $2,500 each year for up to four years for your eligible children to attend high school or college if you die.

Accidents rank as the third leading causes of deaths in our country, according to the National Safety Council¹. It may make sense to add extra protection for accidental deaths or injuries. The CSEA endorsed Group Accidental Death and Dismemberment Insurance Plan pays benefits to cover the unique costs associated with accidents – in addition to any coverage you already have. Add up to $200,000 of protection for just pennies a day.

1All Leading Causes of Death – Injury Facts, injuryfacts.nsc.org/all-injuries/deaths-by-demographics/all-leading-causes-of-death/. 2026.

No because auto insurance protects your vehicle. And CSEA endorsed Group Accidental Death and Dismemberment Insurance Coverage protects you. You’re paid directly to spend the money as your family sees fit. Plus, the CSEA endorsed Group Accidental Death and Dismemberment Insurance Coverage pays an extra benefit if you’re wearing your seat belt. Collect up to an additional $10,000 (or 10% of your principal benefit, whichever is less) if you or a dependent die in an auto accident while wearing a seat belt.

No, you and your eligible family members are guaranteed coverage – regardless of your profession, lifestyle, hobbies, or travel habits.

Accident coverage has exclusive member rates. Retiree members can apply for up to $200,000 in coverage.

The CSEA Group Long-Term Disability Income Insurance benefit pays valuable benefits if a covered injury or illness leaves you totally disabled and unable to perform the material and substantial duties of your occupation. Please refer to the Terms tab for more information on exclusions and limitations.

The CSEA endorsed Group Long Term Disability coverage starts paying benefits after twelve months. Benefits are paid for covered disabilities due to injury, sickness or pregnancy. The CSEA endorsed Group Long Term Disability Benefits are designed to pay benefits equal to 60% of your monthly earning.

The CSEA Long-Term Disability Income Insurance continues based on which option you choose:

For 2 Year Coverage: If you are disabled before age 68 – benefits are paid for 2 years. If you are disabled after age 68-benefits are paid for the greater of: One year or to age 70.

For 5 Year Coverage: If you are disabled before age 60 – benefits are paid for 5 years. If you are disabled between ages 60 through 63, you can collect benefits until age 65. If you are disabled on or after age 64, benefits are payable for up to one year.

It’s important to take care of your family’s day-to-day needs now. But what about the “big picture” – their future needs? What if something happened to you … would there be enough money to replace your income and pay for final expenses, house payments, day-to-day living costs, college expenses for your children, etc.? Right now, you can help to give your family the “big picture” protection it needs by applying for the Endorsed CSEA Group TermPLUS Life. Coverage of up to $500,000 is available, which can make it easy to start a life insurance plan or supplement one you already have.

The Group TermPLUS Life coverage is available for CSEA members. Members under the age of 65 and working at least 20 hours per week qualify for the minimum amount of coverage based on age and monthly salary. However, you are eligible to apply for up to $500,000 of total life insurance coverage regardless of your income – based on your needs – just fill out the application.

If you apply within seven months of employment, you are guaranteed the minimum coverage amount listed in the rate chart, based on your salary, regardless of your health. However, CSEA encourages their members to complete the application so they can be eligible for the most coverage possible.

Also, New York Life Insurance is now allowing the members of CSEA to combine all of their life coverage with the new Group 10-Year Level Term Life Plan and the Graded Benefit Term Life Pan to be eligible for a total coverage amount of $1,000,000!

The aggregate amount of coverage for all combined CSEA plans is 1 million for the member and policy regulated amounts for their spouse.

Yes. Coverage for you is only half the story. Eligible dependents include your spouse who can apply for up to half of your coverage amount. Spouse means your lawful spouse, or your domestic partner under a legally registered and valid domestic partnership. Also your children; stepchildren and/or adopted children to age 26 can also get coverage, unless they are eligible for CSEA membership or Association Partnership Program membership or in full-time military service. If your spouse is a CSEA member or a CSEA Association Partnership Program Member or Association Member or State Employee and eligible for CSEA membership, he or she must apply for a separate New York Life Insurance Plan. If both you and your spouse are CSEA members or CSEA Association Partnership Program Members and are covered under separate New York Life Insurance Plans, only one of you may insure the eligible children.

It’s important to take care of your family’s day-to-day needs now. But what about the “big picture” – their future needs? What if something happened to you … would there be enough money to replace your income and pay for final expenses, house payments, day-to-day living costs, college expenses for your children, etc.? Right now, you can help to give your family the “big picture” protection it needs by applying for the Endorsed CSEA Group TermPLUS Life. Coverage of up to $500,000 is available, which can make it easy to start a life insurance plan or supplement one you already have.

The Group TermPLUS Life coverage is available for CSEA members. Members under the age of 65 and working at least 20 hours per week qualify for the minimum amount of coverage based on age and monthly salary. However, you are eligible to apply for up to $500,000 of total life insurance coverage regardless of your income – based on your needs – just fill out the application.

If you apply within seven months of employment, you are guaranteed the minimum coverage amount listed in the rate chart, based on your salary, regardless of your health. However, CSEA encourages their members to complete the application so they can be eligible for the most coverage possible.

Also, New York Life Insurance is now allowing the members of CSEA to combine all of their life coverage with the new Group 10-Year Level Term Life Plan and the Graded Benefit Term Life Pan to be eligible for a total coverage amount of $1,000,000!

The aggregate amount of coverage for all combined CSEA plans is 1 million for the member and policy regulated amounts for their spouse.

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.

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.

No. However, your premium remains level until age 100 and is paid coverage after age 100. A retiree can apply for this without medical evidence at coverage amounts of $10k to $20k.

AN ACCIDENTAL DEATH BENEFIT PAYOUT FOR THE FIRST TWO CERTIFICATE YEARS

Death from natural causes during the first two years of coverage pays just a portion of the benefit amount. During this period, your beneficiary received an amount equal to 110% of the premiums paid. Full benefits will be paid for accidental death from first day of coverage.

The following deaths are excluded for the Accidental Death Benefit:

Disease/Infirmity – A death that is due to or related to: (a)disease or bodily infirmity of mind or body; or (b) medical or surgical treatment of such disease or bodily infirmity.

Drugs – A death that: (a) occurs during; (b) is due to; or (c) is related to the covered person’s use of drugs, narcotics, barbiturates or hallucinogenic agents, unless such used is prescribed by a doctor or accidentally administered.

Self-Inflicted Injury/Suicide – A death that (a) is due to or related to (1) suicide, (2) an attempt at suicide, or (3) an intentionally self inflicted injury; (b) occurs during an attempt at suicide; or (c) occurs while intentionally injuring oneself, while the covered person is sane or insane.

By applying for coverage, your spouse is eligible for dependent coverage and can apply for coverage in the amount of $5,000. Your spouse must reside in the United States and be between the ages of 40-80 to apply. As long as you are insured under this coverage your spouse is eligible for guaranteed issue coverage.

Note if your spouse is also a CSEA member, they would not be eligible for dependent coverage and must apply separately.