Voluntary Coverages
The California State University recognizes that individuals have different needs and has provided eligible employees the opportunity to apply for the right amount of protection for you and your family at very competitive group rates. This is in addition to any employer-paid Basic Life, Accidental Death and Dismemberment (AD&D) and Long Term Disability (LTD) insurance already provided.
The CSU offers eligible employees the opportunity to apply for Voluntary Life, Voluntary AD&D, Voluntary Long Term Disability, Accident and Critical Illness insurance.
*Please note the Voluntary Life, Voluntary AD&D and Voluntary LTD products are available to enroll year round, while the Accident and Critical Illness Insurances are only available to enroll for within the initial 60 days from your date of hire or during the designated Annual Open Enrollment period.
Please see more detailed information about these Voluntary insurance benefits:
Accident Insurance
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.
In the event of a covered accident, your Accident insurance will pay a benefit directly to you or a covered family member that can be used toward a deductible, copay or daily expenses during recovery. Benefits are based on the injuries you sustain and the treatments you receive.
Watch a video to see how Accident insurance works.
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.
You may be eligible to purchase coverage between $5,000 and $50,000 in $5,000 increments for yourself and up to $30,000 for your spouse. Your kids are automatically covered at 50 percent of the amount elected for yourself. Kids are also covered for 21 additional childhood diseases, including cystic fibrosis, Down's syndrome, muscular dystrophy, spina bifida and cerebral palsy. Your rates will not increase as you grow older — meaning you'll have the same monthly payment for as long as you have your coverage.
Regular checkups are important for the things you depend on – especially your health. You and your covered dependents will receive a cash benefit of $100 when completing any one of 22 approved health screening tests, which may include a novel infectious disease test (including COVID-19) or a mammogram – that typically cost you nothing under your medical insurance. This benefit is available up to two times per calendar year when separate tests are completed on different dates.
Watch a video to see how you can help protect your finances and family with Critical Illness insurance.
It's Easy to Enroll
To apply for Voluntary Life, Voluntary AD&D, Voluntary LTD, Accident, and Critical Illness insurance coverage, simply use one of the options listed below.
- Complete the enrollment at standard.benselect.com/csu. For more information about how to apply for coverage or if you have additional questions including technical assistance, please contact The Standard at 800.378.5745.
- Complete the Enrollment Form and The California State University Payroll Deduction Authorization form and return them to The Standard at the following address.
CSU Benefits Team
Standard Insurance Company
900 SW Fifth Avenue
Portland, OR 97204
