Voluntary Benefits Programs

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Employees have the option to enroll in several types of voluntary, employee paid insurance and benefit plans. 

Accidental Death and Dismemberment (AD&D)

  • 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 available at an additional cost.
  • Eligible employees can enroll at any time during the year and will not be subject to Evidence of Insurability.

For more information go to:

Auto and Home Insurance

  • Auto and Home insurance is offered to all CSU employees, excluding Rehired Annuitants and Students, at a discounted rate through California Casualty. Coverage for eligible dependents available at an additional cost.
  • Participants in the plan are provided with a free identity theft benefit known as ID Defense.
  • All policies are written for a 12-month period.

For more information or to apply:

Contact Christy Forward at (530) 736-6039 or cforward@calcas.com

Group Critical Illness Plan

  • Group critical illness plan, offered by Aflac, provides a lump-sum payment to cover out-of-pocket medical expenses and costs associated with life-changes following the diagnosis of a covered critical illness.
  • Offered to all CSU employees, excluding Rehired Annuitants, Special Consultants, Hourly Intermittent employees and Students. Coverage is available for eligible dependents.
  • Employee must be covered under a comprehensive health insurance plan or Health Maintenance Organization (HMO).

For more information or to apply, contact Aflac at 1-877-801-7931 or go to:

  • To file a claim or for customer service call 1-800-433-3036

CalPERS Long Term Care Plan

  • Long-term care plans cover certain services provided in a setting other than an acute care unit of a hospital, such as a nursing home, residential care facility, adult day care center or in the home, according to the plan selected.
  • A person requires 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.
  • Three plans to choose from: (a) comprehensive, (b) facilities only, and (c) partnership.
  • Offered to all CalPERS employees, spouses, parents, parents-in-law and siblings (age 18 and older).
  • Entirely employee-paid.

Voluntary Long Term Disability (LTD)

  • Voluntary Long Term Disability plan, offered by The Standard, provides loss of income protection (up to 60%) due to a qualified disability.
  • All benefits eligible employees who are not eligible for the CSU-paid LTD plan may apply.
  • Two plans are offered, one with a 30-day and one with a 90-day waiting period.

For more information go to:

MetLaw® Legal Plan

  • MetLaw® plan, offered by MetLife, covers representation for many personal legal services for employees and their eligible dependents.
  • Offered to CSU employees, excluding Rehired Annuitants, Special Consultants, Hourly Intermittent employees and Students. Eligible dependents are covered at no additional cost.
  • Members are required to remain in the plan for a full benefit plan year.
  • Covered legal services 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.

For more information or to apply, contact MetLife customer service at 1-800-438-6388 or go to:

CAL-ORE Life Flight Program

Cal-Ore Life Flight provides ground and air transportation to individuals in need of emergency medical attention. Headquartered in Brookings, Oregon, Cal-Ore offers 24/7 Advanced Life Support transport to destinations throughout Oregon, California and bordering states. 

Cost is $55/year, which includes coverage for the whole household.

  • A Cal-Ore Life Flight membership ensures the patient will have no out-of-pocket flight expenses if flown by the Company or another AirMedCare Network participating provider