Accidental Death & Dismemberment Voluntary Insurance

The Accidental Death and Dismemberment (AD&D) plan is offered by The Standard. This plan 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.

**Voluntary Accidental Death and Dismemberment Insurance Summary**
Vendor	The Standard http://www.standard.com/mybenefits/csu/ Customer Service: 800-378-5745
CSU Eligibility	All employees who meet the CSU regular benefits eligibility requirement, except Rehired Annuitants (retirees) and Faculty Early Retirement Program (FERP) participants.
Employee Coverage Limits	Minimum: $25,000 Maximum: $1,000,000 Amounts may not exceed ten times the employee’s basic annual earnings.
Spouse Coverage	Coverage available at an additional cost. Up to 60% of employee’s amount.
Dependent Child(ren) Coverage	Coverage available at an additional cost. Up to 15% of employee’s amount, not to exceed $25,000 for each child.
Enrollment Period	This plan does not have a designated enrollment period. Employees can enroll at anytime during the year and will not be subject to Evidence of Insurability.
Guaranteed Issue Amount	Full Benefit
Coverage Effective Date	The first of the month following the pay period that the deduction was taken (i.e., first deduction taken out of the April pay period, coverage effective May 1st).
Coverage End Date	Coverage ends on the date that employment ends, or The last day of the month following the pay period that the last deduction was taken (i.e., if the last deduction was taken out of the November pay period, coverage would end on December 31st).
Can an Employee Cancel Their Coverage Mid-Year?	There is no minimum enrollment period for this plan. Employees can cancel this policy at any time during the year.
Monthly Plan Premium	Varies by insured
Payment Options	Monthly payroll deduction
Payroll Deduction Information	Deductions will be processed on pre-paid basis. Post-tax.