A number of benefits you enjoyed as an employee are available to you as a retiree. To continue some of these benefits, you must have been enrolled as an active employee. Other CSU sponsored benefits are available to all retirees. See below for details.
Voluntary Life Insurance
Portability: You may be eligible to take your voluntary life coverage (coverage you enrolled in and paid for) with you if you leave the CSU. You may be enrolled in this coverage after employment for as long as the CSU continues to offer insurance from the same provider you purchased insurance with as an active employee. To continue your insurance under this provision, you must apply in writing and pay your first premium within 60 days of separating from the CSU. The cost to you will be the same as if you were an active employee.
Conversion: If you separate from the CSU for any reason, you may elect to convert your voluntary life insurance to an individual policy based on age and amount of coverage. No evidence of insurability is required if the application is mailed within 60 days of separating from the CSU. The cost to you is based on published rates for standard risks, which could be different than the rates you paid as an active employee for the same coverage.
For more information, contact The Standard Insurance Company at 800-378-5745.
Basic Life Insurance (Employer-Paid)
Portability: You may be eligible to take your basic life coverage (coverage you were automatically enrolled in and paid for by the CSU) with you if you leave the CSU. To continue your insurance under this provision, you must apply in writing and pay your first premium within 60 days of separating from the CSU.
Conversion: If you separate from the CSU for any reason, you may elect to convert your basic life insurance to an individual policy based on age and amount of coverage. No evidence of insurability is required if the application is mailed within 60 days of separating from the CSU.
For more information, contact The Standard Insurance Company at 800-378-5745.
Voluntary Group Critical Illness Insurance
Portability: You may be eligible to take your critical illness coverage (coverage you enrolled in and paid for) with you if you leave the CSU. You may be enrolled in this coverage after employment for as long as the CSU continues to offer insurance from the same provider you purchased insurance with as an active employee. To continue your insurance under this provision, you must pay your first premium within 31 days of separating from the CSU. The cost to you will be the same as if you were an active employee.
For more information, contact The Standard Insurance Company at 800-378-5745.
Voluntary Group Accident Insurance
Portability: You may be eligible to take your critical illness coverage (coverage you enrolled in and paid for) with you if you leave the CSU. You may be enrolled in this coverage after employment for as long as the CSU continues to offer insurance from the same provider you purchased insurance with as an active employee. To continue your insurance under this provision, you must pay your first premium within 31 days of separating from the CSU. The cost to you will be the same as if you were an active employee.
For more information, contact The Standard Insurance Company at 800-378-5745
CalPERS Long-Term Care
CalPERS retirees also may continue to contribute to the CalPERS Long-Term Care Program. For information, contact CalPERS Long-Term Care at 800-982-1775.
Legal Insurance
Effective January 1, 2024 voluntary legal insurance benefits will now be provided by ARAG®. You’ll receive greater legal protection at a lower price. ARAG offers you access to local network attorneys who can help you address life’s legal situations. Plus, network attorney fees are 100% paid in full for most covered matters. ARAG legal plan coverage can only be enrolled in during Open Enrollment.
CSU Retirees have 60 days to enroll becoming effective the first of the month following date of separation. Retirees can enroll in the ARAG legal plan during the CSU annual open enrollment period.
To enroll or learn more about this plan, please review this flyer or visit, ARAG.
View more information on the ARAG At A Glance Flyer.
Auto and Home/Renters Insurance
As a CSU retiree, you have access to an exclusive Auto and Home/Renters Insurance program at a discounted rate through California Casualty, with unique benefits like:
- Mature driver and other helpful discounts,
- Monthly E-Z pay plans with skip payment options
- Free identity theft protection
- Travel benefits, including rental car and luggage coverage
- And more!
Since 1914, California Casualty has been providing protection that is simple, trusted, affordable and right for its policyholders. For more information or to get a quote visit their website or call 866-680-5143.
Coverages, benefits, availability, rates and discounts may vary by area, state, or individual rating factors and are subject to underwriting approval. Policies in Arizona, California, Colorado, Idaho, Kansas, Oregon and Wyoming are underwritten by California Casualty; policies in other US states may be available through California Casualty Agency Services. To reach Agency Services, please call 877-652-2638.
Pet Insurance
Whether they have two legs or four, every family member deserves quality health care. Nationwide is offering several reimbursement benefit options offered by Nationwide. Retirees can purchase My Pet Protections for dogs, cats, birds, reptiles, and other exotic animals. Nationwide reimburses 70% or 50% of every eligible veterinarian bill up to $7,500 a year. There is no network so employees can select a veterinarian of their choice. To learn more about this plan and/or to enroll, visit their website or call (877) 738-7874.