Group Travel Accident Insurance
Group Travel Accident Insurance
Build a $200,000.00 “ON-THE-MOVE” Safety Net
Underwritten by New York Life Insurance Company.
A quick errand across town. A weekend getaway or family vacation. A business trip in a distant city. CSEA Members are almost always “on-the-move”. So CSEA negotiated a generous financial cushion standing right by your side whenever you’re out and about:
Acceptance is GUARANTEED.
$200,000.00 in CASH BENEFITS PAID if a covered accident claims your life while you’re on public transportation like an airplane, taxi, subway, train, bus or cruise ship.
$100,000.00 in CASH BENEFITS PAID if you fall victim to a fatal auto accident (as either the driver or passenger).
Up to $200.00 a day in CASH BENEFITS PAID directly to you, for up to two years, for every day you’re treated as an inpatient in a hospital due to a covered travel accident.
Before enrolling, read through the rest of this site for information on rates, benefits, eligibility, renewability, limitations and exclusions
Overview
CSEA’S GROUP TRAVEL ACCIDENT BENEFIT STANDS BY YOU – AROUND THE CORNER OR AROUND THE WORLD
Here’s a quick way to make a big difference in your family’s financial security:
Activate your CSEA Travel Accident benefits today. You’ll lock in generous benefits –Up to $200,000.00 if you fall victim to a fatal travel accident PLUS up to $200.00 a day if a travel accident lands you in the hospital- at the group rate of $5.50 a month.*
HERE’S WHAT YOU GET:
Up to $200,000.00 in Travel Accident protection – covering you whenever you’re traveling… anywhere in the world*… on just about any kind of transportation. In fact, this CSEA safety net starts the moment you drive away from home.
In addition to your $200,000.00 benefit, you’re also entitled to $200.00 a day cash benefits paid for every day you stay in the hospital because of a covered travel accident, for up to a two year maximum.
*Subject to U.S. government regulations on restricted countries.
Acceptance GUARANTEED – You Cannot Be Turned Down
AS long as you are a CSEA member in good standings and residing in the U.S., you’re officially entitled to this benefit. You cannot be turned down… regardless of your health, occupation, past driving records, or the number of miles you travel annually.
If you have any questions regarding any of these benefits, please call +1-800-296-2732.
* Member- only rate. See the “Rates” tab for important premium information.
Benefits
HIGH COVERAGE – MEMBER EXCLUSIVE RATES
The Group Travel Accident Insurance efficiently delivers generous benefits for only pennies a day. How is this possible?
Because CSEA avoided expensive “extras” that most people never need. The result is a streamlined program that stands by your family with cash benefits when they need them most:
MEMBER COVERAGE:
$200,000.00 CASH BENEFITS PAID to your family if you die within 365 days after a common carrier accident (as a fare-paying passenger on a commercial plane, taxi, bus, cruise ship, train, or other common carrier).
$100,000.00 CASH BENEFITS PAID to your family if you die within 365 days as a result of a private motor vehicle accident – as a driver or passenger. Includes RVs, cars, vans, pick-ups, trucks, and more. Experience shows that motor vehicle accidents cause the deaths of tens of thousands of Americans, and hospitalization of millions more.1
1National Safety Council, Injury Facts 2020
UP TO $200.00 A DAY CASH BENEFITS PAID for every day you’re treated as an inpatient in a hospital because of a covered common carrier accident. Benefits for private passenger vehicle accidents are $100 a day. You are covered for a maximum of up to two full years from the date of a covered accident – that’s up to $146,000.00 in cash benefits!
Of course, your CSEA Travel Accident benefits are always paid IN ADDITION to any other insurance you may have. It’s a valuable cash benefit to help pay for expenses your regular health insurance doesn’t cover – like co-payments or deductibles… plane tickets for loved ones to fly home… even bills like the electricity and mortgage piling up at home.
YOU’RE UNDER NO OBLIGATION
If you decide your CSEA endorsed Travel Accident Protection isn’t for you, just let us know within the first 30 days. We’ll promptly refund your premiums, provided no claim has been submitted, and invalidate your coverage. No questions. No obligation.
Rates
A GENEROUS $200,000.00 SAFETY NET – YOURS FOR PENNIES A DAY
Thanks to the group buying power of the CSEA’s combined membership, you can rest assured under this $200,000.00 blanket of Travel Accident protection for less than most people imagine. Take a look:
Current 2022 Monthly Rates for $200,000.00 in Travel Accident Benefits:
| Benefit Level | Premium |
|---|---|
| Member Only | $5.50 |
| Member Plus Family | $9.40 |
For SEIU, ACSS, and CSUEU premium for this coverage is deducted from payroll or PERS for Retirees with an authorization from each individual member. All other groups leverage auto-renewal through automatic bank deduction or credit card. Premiums are subject to change by agreement between New York life Insurance Company and the CSEA. You can’t be canceled or singled out for a premium increase due to a change in your health or job. Your rates may only be increased if they are increased for all other in your insurance class (a class is a group of people with the same age or gender).
FAQs
WHY ACTIVATE TRAVEL ACCIDENT BENEFITS?
HOW CAN CSEA SET UP SUCH A HIGH-VALUE SAFETY NET FOR $5.50 A MONTH?
WHY DOES CSEA RECOMMEND THE "ALL OF US" COVERAGE OPTION?
I ALREADY HAVE INSURANCE. HOW DOES TRAVEL ACCIDENT WORK WITH ANY OTHER PROTECTION I'VE ALREADY SET UP?
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.
DO I QUALIFY FOR COVERAGE IF I WORK LESS THAN 40 HOURS A WEEK?
HOW DO I PAY MY PREMIUMS?
WHAT IF I CHANGE MY MIND AFTER I APPLY?
Terms
IMPORTANT INFORMATION ABOUT YOUR GROUP TRAVEL ACCIDENT INSURANCE
(Please read and print for your records)
ACCEPTANCE IS GUARANTEED
There is no physical examination to take or health questions to answer. As a CSEA member in good standing and residing in the U.S., you cannot be turned down for this coverage – regardless of your health, occupation, or the number of miles you travel annually.
You cannot be singled out for cancellation or a rate increase, regardless of the number of claims you make, your age, or changes in your health.
ENROLL IMMEDIATELY FOR EARLIEST EFFECTIVE DATE
Accidents are unpredictable, so request your CSEA protection today. Your coverage starts on the first day of the month following approval of both your Request and receipt of first Payroll/PERS deduction*.
$200,000.00 SAFETY NET FOR $5.50 A MONTH*
CSEA Recommends “All Of Us” Benefit Option
Please consider signing up both you and your family when you enroll in your Travel Accident Benefits (See Terms Tab for Dependent Coverage amounts).
You’re all guaranteed acceptance in the program. You all travel – whether it’s across town for groceries, to school, to another state for family vacations, or across the country for work.
Because there’s no telling when (or who) an accident will strike next, CSEA recommends you consider full family protection with the “ALL OF US” benefit option.
COVERAGE FOR YOUR DEPENDENTS
CSEA benefits can be extended to your family. The “ALL OF US” option gives coverage to your spouse, and also covers all of your unmarried dependent children, too – no matter how many kids you have – up to age 19, or up to age 25 if a full-time student. Spouse benefits equal 50% of Member’s benefits if you have no children. If you have children, spouse benefit equals 40% of member benefit and children’s benefit equals 10% of member’s benefit. If you have no spouse, children’s benefit equals 10% of member’s benefit. For all covered persons, benefits reduce 50% at age 70, and another 50% at age 75. Total maximum benefit payable will be reduced to $10,000.00 (includes combination of principal sum and In-Hospital confinement expenses) upon reaching age 80 for a member and a spouse. Premiums remain the same.
TERMINATION OF COVERAGE
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.
COVERAGE AT LATER AGES
Total maximum benefit will be reduced to $10,000.00 (includes combination of principal sum and In-Hospital confinement expenses) upon reaching age 80 for a member and spouse. Premiums remain the same.
This CSEA Insurance is for Travel Accident Coverage and was not designed to provide for the following:
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.
DEFINITIONS:
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).
Coverage is only available to residents of the U.S.
This sponsored CSEA Group Travel Accident Insurance is underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 under Group Policy GMR, Policy Number G-29148-0 TA. For more information on this coverage see the Certificate of Insurance.
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.
J. Christopher Burke CA Insurance License #0F709407. J. Christopher Burke AR Insurance License #8876308.
New York Life is licensed/authorized to transact business in all the 50 United States, District of Columbia, Puerto Rico and Canada. However not all group insurance it underwrites are available in all jurisdictions. Please check the coverage details for current availability.
NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company
New York Life Insurance Company
51 Madison Avenue
New York, NY 10010
Under Group Policy GMR, Policy Number G-29148-0 TA., New York Life is licensed/authorized to transact business in all 50 United States, District of Columbia, Puerto Rico and Canada.
New York Life Insurance Company’s state of domicile is New York and their NAIC ID # is 55915.
This is not a policy or Certificate of Insurance. It merely summarizes the principal features and is for informational purposes only. The complete terms and provisions of coverage and the conditions under which it may be kept in force are contained in the group Master Policy issued by New York Life Insurance to the California State Employees Association.
* Payroll deduction is only available for SEIU, CSUEU, ACSS, and Retirees. All other groups leverage auto-renewal through automatic bank deduction or credit card.
48937
| Form | Download |
|---|---|
| Group Travel Accident Insurance Plan Mail In Application.pdf | Download |
$200,000.00 SAFETY NET FOR $5.50 A MONTH*
CSEA Recommends “All Of Us” Benefit Option
Consider extending benefits to you and your family when you enroll in your Travel Accident Benefits (See Terms Tab for Dependent Coverage amounts).
You’re all guaranteed acceptance in the program. You all travel – whether it’s across town for groceries, to school, to another state for family vacations, or across the country for work.
Because there’s no telling when (or who) an accident will strike next, CSEA recommends you consider full family protection with the “ALL OF US” benefit option.