Voluntary Benefit Programs

CalPERS Long Term Care Plan

Long Term Care is a voluntary program entirely paid by the employee.   This program is available to all active members, retirees, and their eligible family members: spouses, parents, parents-in-law and siblings (age 18 and older).

A person may require long term care when he or she needs help with two or more of the six Activities of Daily Living (ADLs): bathing, dressing, toileting, transferring (moving in and out of a bed, chair or wheelchair), eating or continence.

Long term care plans cover certain services provided in a setting other than an acute care unit of a hospital.   Such setting may include a nursing home, residential care facility, adult day care center or in home care, according to the plan selected. There are three plans to choose from: (a) comprehensive, (b) facilities only, and (c) partnership.

For more information go to the CalPERS Long Term Care Plan website or contact the CalPERS Long-Term Care Program at 1-800-908-9119 to request an enrollment kit.

CSU Auto/Home Owners Insurance

The Chancellor’s Office offers all its employees auto and homeowner’s insurance throughCalifornia Casualty. This employee-paid voluntary plan allows employees to make payments through payroll deduction. For more information call 1-877-472-7840.

For more information see CSU Auto/Home Owners Insurance.

Credit Unions

The following credit unions offer checking, loan and savings programs:

For more information see Credit Unions.

Pre-Tax Parking Deduction Plan

The CSU Pre-Tax Parking Deduction Plan allows eligible employees to pay for CSU parking expenses with pre-tax dollars. This pre-tax benefit is available only through payroll deduction for qualified parking as defined by the IRS and established by each campus (e.g., CSU owned, leased or contracted parking facility). For an eligible employee, participation in the Plan is automatic unless the employee chooses otherwise. Deductions are taken from an employee’s paycheck before federal, state, Social Security, and Medicare taxes are calculated. An employee’s taxable income is reduced, and consequently taxable income reflected on an employee’s W-2 statement is reduced.

The IRS limits qualified parking expenses to parking at or near an employee’s work location or at a location from which an employee commutes to work by carpool. The CSU Plan allows a pre-tax benefit only for qualified parking paid for by the employee though payroll deduction. Not all parking expenses allowed under IRS rules may be eligible through payroll deduction as prescribed by campus policy and the State Controller’s Office.

IRS Code Section 132(f) limits the amount of qualified parking that may be excluded from an employee’s taxable income.

For complete details contact the Human Resources Office for the CSU Pre-Tax Parking Deduction Plan Brochure.

Aflac-Group Critical Illness

This plan requires that the employee has coverage under a comprehensive health insurance plan or a Health Maintenance Organization (HMO). The Group Critical Illness plan, offered by Aflac, will be underwritten by Continental American Life Insurance Company. This plan provides a lump-sum benefit payment to cover out-of-pocket medical expenses and the costs associated with life-changes following the diagnosis of a covered critical illness. Critical Illnesses covered under the plan include the following: Heart Attack, Stroke, Major Organ Transplant, Renal Failure (End Stage), Cancer, Carcinoma in situ, Coronary Artery Bypass Surgery, and Skin Cancer.

Customer Service: 1-877-801-7931www.aflac.com/CSU
Enrollment Period: New hire (60 days) for Guaranteed Issue
Current benefit eligible employees can enroll any time but will require evidence of insurability.

MetLaw Legal Plan -Prepaid Legal Plan

The MetLaw Legal Plan is offered by Hyatt Legal Plans, Inc., which is a subsidiary of MetLife. This plan covers representation for many personal legal services for employees and their eligible dependents. Participants can receive services from a Network or Out-of-Network attorney. Services for covered legal matters performed by a Network attorney are fully paid for by the plan. Out-of-Network attorney fees for covered services are reimbursed based on a set fee schedule. The plan covers telephone and office consultations for an unlimited number of matters, even if the matter is not fully covered, so long as it is not excluded.

The following services are fully covered under the plan: consumer protection matters, defense of civil lawsuits, document preparation and review, estate planning documents, family law, financial matters, immigration, juvenile matters, real estate matters, and traffic offenses (no DUI). In addition to unlimited advice and consultation, the plan also has an Identity Theft component. Employees can receive a consultation from an attorney on preventing identity theft.

Customer Service: 1-800-438-6388 www.metlife.com/mybenefits
Enrollment Period: New hire (60 days) or Open Enrollment

The Standard Insurance Plan

The Standard, which currently offers CSU-paid group life insurance and long-term disability to benefit eligible employee groups and voluntary life insurance to eligible employees, now offers voluntary long-term disability (LTD) and voluntary accidental death and dismemberment (AD&D) as an added way of protecting your income.

Customer Service: 800-378-5745 www.standard.com/mybenefits/csu/
Enrollment Period: New hire (60 days) for Guaranteed Issue
Current benefit eligible employees can enroll any time but will require evidence of insurability.

  • Voluntary Life Insurance
    The CSU offers eligible employees the opportunity to apply for a Voluntary Life Insurance for self and their eligible dependents. Please refer to the above website for program information and rates.

    New Hire: Employees can elect up to $100,000 of life insurance without being subject to Evidence of Insurability. Employees who do not enroll within 60 days of employment are subject to Evidence of Insurability. This special offering does not apply to dependents.

  • Voluntary Accidental Death & Dismemberment (AD&D)
    The Accidental Death and Dismemberment (AD&D) plan is offered by The Standard. This plan pays a benefit to the employee or his/her selected beneficiary in the event of death due to an accident or dismemberment at a benefit level selected by the employee. Please refer to the above website for program information and rates.

  • Voluntary Long Term Disability (LTD)
    Many people underestimate the importance of insuring a portion of their income against the threat of long-term disability. The Standard is providing you with this one-time opportunity, without evidence of insurability, to purchase a level of disability insurance that fits your needs, with either a 30-day or 90-day waiting period. The option is yours. Please refer to the above website for program information and rates.