Group Accidental Death & Dismemberment Insurance

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.

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, so many CSEA members get the maximum protection available — $500,000 for active members.

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.

Retired CSEA Members often enjoy active lifestyles such as traveling, participating in sports, completing home projects and even starting second careers. Retiree members under age 80 can apply for up to $200,000 in coverage.

You decide who collects your benefits by designating your beneficiary on your application. If you do not name someone, your beneficiary will automatically be designated as your Spouse, your Children, your Parents, your Siblings, or your Estate, in that order. You may change your beneficiary at any time by notifying the CSEA endorsed Insurance Program Administrator in writing. You are automatically the beneficiary for all coverage on your Spouse.

Benefits will be paid to you even if you suffer a covered injury at work and receive Workers Compensation benefits. The CSEA endorsed Accident Insurance pays benefit for any covered accident – 24 hours a day, anywhere (Subject to US Government Regulations on restricted countries).

Your policy will be enforced until age 80, if you are still actively working. If you retire before age 80, the policy terminates at retirement and you will need to re-enroll in the retiree plan. Then as a retiree, the policy will be enforced until age 80.

This coverage becomes effective on the first of the month following pay warrant deduction and the receipt of your application, provided it has been approved. As long as your premiums are paid, the Master Policy is in effect, you remain a Member of CSEA and are under age 80, you may continue to renew your coverage.

Yes. This provides an outline of the coverage. You will be mailed a Certificate of Insurance that contains the full terms and conditions. Please read it carefully and file it with your important personal papers where it can be found in case of your accidental death.

No Benefits will be payable for any loss that is due or related to: suicide; an attempt at suicide or an intentionally self-inflicted injury while sane or insane; A loss that occurs during, due or related to the covered person’s engagement in any of the following in a role other than as a victim: war, an act of war or an armed conflict which involves the armed forces of one or more countries, whether declared or undeclared; A loss that occurs during, due or related to the use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents; unless administered on the advice of a physician or accidentally administered; A loss that occurs during or is a result of travel in, travel on, fall from or descent from any aircraft while such aircraft is in flight, unless traveling solely as a passenger; A loss that is due or related to: a disease or bodily infirmity of mind or body, medical or surgical treatment of such disease or bodily infirmity or bacterial infections, except infections that occur as a result of an: accidental cut or wound; or accidental ingestion of contaminated material; A loss that occurs during , due or related to, any medical, dental or surgical treatment unrelated to the accident which would otherwise entitle the covered person to benefits.

Exclusions The following losses are excluded:

Air Travel – A loss that occurs during or is a direct result of the COVERED PERSON’S travel in, travel on, fall from or descent from any aircraft while such aircraft is in flight, unless the COVERED PERSON is traveling solely as a passenger.

Disease/Infirmity – A loss that is due to or related to: (a) disease or bodily infirmity of mind or body; (b) medical or surgical treatment of such disease or bodily infirmity; or (c) bacterial infections, except infections which occur as the result of an: (1) accidental cut or wound; or (2) accidental ingestion of contaminated material.

Drugs – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the COVERED PERSON’S: (a) use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents, unless such use is as prescribed by a doctor or accidentally administered; or (b) illegal use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents.

Self-Inflicted Injury/Suicide – A loss that: (a) is due to or is 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.

Treatment– A loss that: (a) occurs during; (b) is due to; or (c) is related to; any medical, dental or surgical treatment unrelated to the accident which would otherwise entitle the COVERED PERSON to benefits.

War Conditions – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the COVERED PERSON’S engagement in any of the following in a role other than as a victim: (a) in war, (b) an act of war, or (c) an armed conflict which involves the armed forces of one or more countries.

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.