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Life Insurance/Survivor Benefits


CSU-Paid Life Insurance

The CSU offers employer-paid basic term Life and Accidental Death and Dismemberment (AD&D) insurance to eligible employees:
  • Confidential: $50,000 basic term life/$50,000 AD&D policy
  • Management Personnel Plan (MPP): $100,000 basic term life/$100,000 AD&D policy
  • Executive: $250,000 basic term life/$250,000 AD&D policy
  • CSUEU (Units 7 and 9): $10,000 basic life/$10,000 AD&D policy
The insurance is underwritten by Standard Insurance Company:
  • CSU pays the entire premium.
  • First $50,000 is tax-free.
  • MPP employees and Executives who do not want the additional tax liability may irrevocably waive the extra insurance for the remainder of their CSU employment.
  • Life insurance over $50,000 will have income tax impact on employee based on amount over $50,000 and employee's age.  See Table » (.pdf)

Program Details »
MEDEX Travel Assist
CSU-Paid Life Insurance Beneficiary Designation and Change Form

Voluntary Employee-Paid Life Insurance

The CSU offers employee-paid voluntary life insurance through the Standard Life Insurance Company to all eligible employees. Employees may purchase protection for themselves and eligible family members including spouse/domestic partner and dependent children:
  • Employee coverage range: $10,000-$1,500,000
  • Spouse or domestic partner coverage range: $10,000-$750,000
  • Coverage for children: $5,000, $10,000 and $20,000 (all your children must be insured for the same amount)
New employees qualify for Guarantee Issue coverage if coverage is applied for within 60 days of start of employment. Under the Guarantee Issue provision, employees may apply (without answering medical questions) for coverage up to:
  • $150,000 for themselves
  • $50,000 for their spouses/domestic partners
  • $20,000 for each child without answering medical questions
Amounts in excess of the Guarantee Issue, up to the maximum limits, may be chosen and require evidence of insurability.

For more information go to http://www.standard.com/mybenefits/csu or contact The Standard customer service at 1-800-378-5745. To apply, make changes, or review benefits log in at www.standard.com/enroll.

Program Details »
Voluntary Employee-Paid Life Insurance Beneficiary Designation and Change Form

CalPERS Death Benefit

The benefits payable depend on a number of factors such as the member's age, years of service, eligible beneficiary, and whether or not the employee was eligible to retire at the time of death (age 50 with at least five years of service credit).

The following benefits may be payable:

One-Time Payments
  • Limited Death Benefit - Return of the member's contributions and interest through the date of death.
  • Basic Death Benefit - Return of the member's contributions and interest. In some cases, there may also be a payment equal to half of the member's annual earnings for the year preceding death.
  • Group Term Life Insurance - A lump sum payment of $5,000. In some instances, there may also be a payment equal to half of the member's earnings for the year preceding death.
Monthly payments may also be available. CalPERS will send information and the necessary forms shortly after a death is reported. The information on the completed forms serves as the formal application to receive payable death or survivor benefits and to identify family members who may be legally entitled to benefits.

CalPERS Beneficiary Designation Form

Social Security Survivor Benefits

When a person who has worked and paid Social Security taxes dies, certain members of the family may be eligible for survivors benefits. Up to 10 years of work is needed to be eligible for benefits, depending on the person's age at the time of death.

Social Security survivors benefits can be paid to:
  • A widow/widower — full benefits at full retirement age or reduced benefits as early as age 60.
  • A disabled widow/widower (as early as age 50).
  • A widow/widower at any age, if he or she takes care of the deceased's child who is under age 16 or disabled, and receiving Social Security benefits.
  • Unmarried children under 18 or up to age 19, if they are attending high school full time. Under certain circumstances, benefits can be paid to stepchildren, grandchildren or adopted children.
  • Children at any age who were disabled before age 22 and remain disabled.
  • Dependent parents age 62 or older.
Social Security Online »

Content Contact:
Human Resource Services
(562) 951-4070
Technical Contact:
webmaster@calstate.edu

Last Updated: April 29, 2011