Life and Disability Insurance
Employer-Paid Life and AD&D Insurance
The CSU provides Basic Life and AD&D (Accidental Death and Dismemberment insurance) insurance at no cost to you if you are an eligible employee. The Basic Life and AD&D insurance becomes effective on the first day of the calendar month following the date you become eligible. For answers to commonly asked questions, exclusions, limitations and reductions, beneficiary designations and claims, please refer to The Standard.
Some features of your Basic Life insurance coverage include:
- Travel Assistance - Travel Assistance flyer
- Life Services Toolkit (Estate Planning Assistance, Financial Planning, Health and Wellness, Identity Theft Prevention, and Funeral Arrangements)
- Waiver of Premium - Premiums paid by CSUB
- Accelerated Benefits
- Portability of Insurance - Upon separation you can continue coverage at your cost
If you have questions regarding conversion or portability of your Basic Life insurance, please contact The Standard at 800-378-5745.
Note: No enrollment necessary. All eligible employees are automatically enrolled.
| Employee Category | Basic Term Life | AD&D |
|---|---|---|
| Executive (M98) | $250,000 | $250,000 |
| Management (M80) | $100,000 | $100,000 |
| Confidential (C99) | $50,000 | $50,000 |
| Faculty (R03) | $50,000 | $50,000 |
| Teaching Associates Only (R11) | $50,000 | $0 |
| Academic Professionals (R04) | $25,000 | $25,000 |
| Public Safety (R08) | $10,000 | $10,000 |
| CSUEU (R02, 05, 07, 09) | $50,000 | $50,000 |
| Physicians (R01) | $25,000 | $25,000 |
| SFSU Head Start Employees (R12) | $50,000 | $50,000 |
| Excluded (E99) SFSU Head Start Employees Only | $50,000 | $50,000 |
Employer-Paid Long-Term Disability (LTD)
The CSU provides employer-paid Long-Term Disability insurance (LTD) to eligible employees within specified employee bargaining units. The Standard Life Insurance Company (The Standard) is the insurance carrier for this benefit.
The following units are subject to a 6-month waiting period:
- Physicians (Unit 1)
- Faculty (Unit 3)
- Academic Support (Unit 4)
- Management Personnel Plan (MPP)
See Benefits Summary for details.
Employee-Paid Life, AD&D and Disability Insurance
Recognizing that individuals have different financial needs, The CSU provides eligible Employees the opportunity to apply for voluntary life, accidental death and dismemberment (AD&D) insurance and long-term disability for themselves and their families at competitive group rates. This is in addition to any employer-paid Basic Life insurance already in force.
Employees may apply for a Voluntary Life Insurance plan at any time, however, if an employee applies within 60 days of hire no medical certification is required for up to the guaranteed issue amounts of $150,000 for employees, $50,000 for Spouses/Domestic Partners and $20,000 for Dependent Children.
Visit the website to calculate the amount of life insurance coverage you may need by using the Needs Estimator and learn how much voluntary life insurance will cost by going to the Premium Calculator.
To Enroll
Visit The Standard or contact The Standard customer service at 1-800-378-5745.
The Accidental Death & Dismemberment plan, offered by The Standard, 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. Offered to all regular benefits-eligible CSU employees. Coverage for eligible dependents is available at an additional cost. Eligible employees can enroll at any time during the year and will not be subject to Evidence of Insurability.
To Enroll
Visit The Standard or contact The Standard customer service at 1-800-378-5745.
The voluntary Long Term Disability plan, offered by The Standard, provides loss of income protection (up to 60%) due to a qualified disability. This benefit varies by employee group. For eligibility details, review the Benefits Summary. Two plans are offered, one with a 30-day and one with a 90-day waiting period.
To Enroll
Visit The Standard or contact The Standard customer service at 1-800-378-5745.
The Standard Life Insurance offers Critical Illness Insurance. Critical Illness Insurance is an affordable way to make up the difference between what your medical insurance covers and what you’d owe out of pocket if you or a family member were to be diagnosed with a covered critical illness.
Critical Illness Benefit Guide (PDF)
To Enroll
Visit The Standard or contact The Standard customer service at 1-800-378-5745.
Accident Insurance helps protect your bank account from the out-of-pocket expenses that come with an injury—whether you’re coping with a broken arm or recovering from a serious car accident.
Accident Insurance Plan Benefit Guide (PDF)
To Enroll
Visit The Standard or contact The Standard customer service at 1-800-378-5745.
If an employee should die before retirement, CalPERS may pay the designated beneficiary a $5,000 tax-free death benefit. Depending on the employee’s length of service, the beneficiary may receive additional benefits. CalPERS may also pay the employee’s beneficiary a lump-sum payment equivalent to six months of salary.
Application Process
Visit CalPERS to learn more.
Need Help?
Erika Salcedo
Benefits Specialist
(661) 654-2606
esalcedo5@csub.edu
Tina Williams
Director of Human Resources Administration
(661) 654-3205
twilliams@csub.edu
Contact Us
HR Hours:
Monday - Friday: 8:00 am - 5:00 pm
Office Location:
Administration 104
Mailing Address:
California State University, Bakersfield
9001 Stockdale Highway
Bakersfield, CA 93311-1099
Email: hr@csub.edu
Phone: (661) 654-2266
Fax: (661) 654-2299
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