Miscellaneous Benefits

Employees have the option to enroll in several types of voluntary employee paid insurance plans and have the premiums deducted from their monthly paycheck. Below are brief descriptions of each voluntary plan.

Voluntary Long-Term Disability Insurance

Long Term Disability (LTD) insurance is designed to pay a monthly benefit to you in the even you cannot work because of a covered illness or injury. This benefit replaces a portion of your income, thus helping you to meet your financial commitments in a time of need.

The advantages to you include:

• Convenience. With premiums deducted directly from your paycheck, you don’t have to worry about mailing monthly payments.
• Savings. Typically, group insurance rates are lower than the rates of individual insurance plans, generally providing you with coverage at a lower cost.
• Peace of Mind. You can take comfort and satisfaction in knowing that you have taken a step toward securing your income during a period of a covered disability.

For more information, please review the Long Term Disability Insurance Brochure and visit The Standard Website to enroll. You can also contact them directly at 800.378.5745 if you have any questions.

Voluntary Life Insurance for Self or Dependents

Life Insurance is designed to help protect your loved ones if you are not there for them.

The advantages to you include:

• Convenience. With premiums deducted directly from your paycheck, you don’t have to worry about mailing monthly payments.
• Savings. Typically, group insurance rates are lower than the rates of individual insurance plans, generally providing you with coverage at a lower cost.
• Choice. You decide how much coverage you want from the range of amounts available.
• Flexibility. If your needs change, you can apply to change the amount of your coverage. Take it with you. Should your employment end, you may be eligible to continue your coverage (portability) at the same rates.
• Peace of Mind. You will take pride and satisfaction in knowing that you have done something positive for your family’s future. 

For more information, please review the Life Insurance Brochure and visit The Standard Website to enroll. You can also contact them directly at 800.378.5745 if you have any questions.

Voluntary Accidental Death & Dismemberment Insurance (AD&D)

Accidental Death and Dismemberment (AD&D) is designed to help protect you and your beneficiaries in the event of death or dismemberment as a result of a covered accident.

The advantages to you include:

• Convenience. With premiums deducted directly from your paycheck, you don’t have to worry about mailing monthly payments.
• Savings. Typically, group insurance rates are lower than the rates of individual insurance plans, generally providing you with coverage at a lower cost.
• Choice. You decide how much coverage you want from the range of amounts available.
• Flexibility. If your needs change, you can apply to change the amount of your coverage. Take it with you. Should your employment end, you may be eligible to continue your coverage (portability) at the same rates.
• Peace of Mind. You will take pride and satisfaction in knowing that you have done something positive for your family’s future. 

For more information, please review the Accidental Death and Dismemberment Brochure and visit The Standard Website to enroll. You can also contact them directly at 800.378.5745 if you have any questions.

California Casualty

California Casualty provides protection and peace of mind for the people that serve our communities. They have long-term relationships with many different groups in the fields of education, law enforcement, firefighting and nursing. They offer special benefits that are tailored to meet the unique needs of their customers.

Critical Illness Insurance

Aflac is designed to pay for a lot of the expenses that are not covered through your medical plan. The plan helps you focus on recuperation instead of the distraction and stress over out-of-pocket costs. With the Critical Illness Plan, you receive cash benefits directly (unless otherwise assigned) giving you the flexibility to help pay bills related to treatment or to help with everyday living expenses.

• Aflac features the following items:
• Benefits are paid directly to you unless otherwise assigned
• Coverage is available for you, your spouse and dependent children
• Coverage is portable if you change jobs or retire (stipulations may apply)
• Fast claim payments
• If you are deemed ineligible due to a previous medical condition, you still retain the ability to purchase spouse coverage.

For more information, please visit the Aflac Website or contact them directly at 1-800-433-3036.

Nationwide Pet Insurance

• Nationwide is offering two benefit options for your pets. This insurance can cover your pet’s accidents, illness and even preventive care and wellness services. 
• Plans are available for dogs, cats, birds, small mammals and exotics (such as reptiles). 
• To learn more about this plan and/or to enroll, visit https://benefits.petinsurance.com/the-california-state-university, or call (877) 738-7874.​

Voluntary Legal Plan

MetLaw offers telephone and office consultations for an unlimited number of personal legal matter with an attorney of your choice. The E-Services component of Metlaw offers attorney locator, law firm e-panel, law guide, free downloadable legal documents, financial planning, insurance and work/life resources.

Metlaw offers assistance on the following areas:

Life Services Toolkit

As part of The Standard Group Life Insurance policy (includes CSU-paid and Employee-paid), CSU employees have access to the Life Services Toolkit administered through Morneau Shepell.

• Some of the services they offer include:
  • Estate Planning Assistance
  • Legal and Financial Planning
  • Health and Wellness
  • Identity Theft Prevention
  • Funeral Arrangements, etc.
• To access these services, please go to Life Services Toolkit Website and use the word “assurance” as the username.

If you have any questions regarding the services offered, please contact Morneau Shepell directly at 1-800-378-5742.

Travel Assistance

As part of The Standard Group Life Insurance policy (includes CSU-paid and Employee-paid), CSU employees have access to Travel Assistance administered through Generali Global Assistance.

• Travel assistance is available when you travel more than 100 miles from home or internationally for up to 180 days for business or pleasure. 
• Some of the services they offer include:
  • Passport and Visa information
  • Health hazards advice
  • Connection to medical care providers
  • Interpreter services
  • Local attorneys
  • Consular office
  • Bail bond services
  • Logistical arrangements for ground transportation, housing and/or evacuation in the event of a natural disaster, political unrest and social instability, etc.

For more information, please review the Travel Assistance Flyer and/or contact them directly at 1-866-455-9188 within the U.S. or +1-240-330-1380 outside of the U.S.

Hearing Aid Discount Program

TruHearing is making hearing aids affordable for all VSP® Vision Care members by providing free enrollment ($108 value) in the TruHearing MemberPlus® Program.

• To enroll, please visit the VSP TruHearing website or call 877-396-7194 (please mention that you are a VSP member).
• Members can add their covered dependents and other family members to enjoy the same great savings.
• If members already have hearing benefits through your health care insurance, they can combine it with this program to maximize the benefit and reduce their out-of-pocket expense.

A TruHearing membership provides:

• Access to a national network of more than 4,000 licensed hearing aid professionals
• Selection of more than 90 digital hearing aids in 400 styles
• Savings of up to $1,300 per hearing aid purchase
• Deep discounts on additional batteries

Each hearing aid purchased from TruHearing includes:

• Three professional visits
• 45-day money-back guarantee
• 48 replacement batteries

For more information, please visit the VSP TruHearing website.

Tax Advantage Premium Plan (TAPP)

The Tax Advantage Premium Plan (TAPP) allows employees to have required health plan premiums withheld from their paychecks on a pre-tax basis. Any such premiums for the CSU sponsored coverage you have selected will be deducted each month from your salary before federal and state income and Social Security/Medicare taxes are calculated and deducted.

Eligibility
All CSU employees are eligible to participate in TAPP if they are active CSU employees enrolled in a CalPERS health plan and have health care contributions withheld from their paychecks.

Enrollment
Eligible employees are automatically enrolled in the program unless non-participation is requested at the time of enrollment. There is a $2.04 service charge per year, which is automatically collected by the State Controller's Office through a payroll deduction.
For more information, please review the TAPP Brochure.
 

CalPERS Death Benefit

The benefits payable depend on a number of factors such as the member's age, years of service, eligible beneficiary, and whether or not the employee was eligible to retire at the time of death (age 50 with at least five years of service credit).

• To report a death, please contact CalPERS directly at 1-888-225-7377.
• CalPERS will send information and the necessary forms shortly after a death is reported.
• The information on the completed forms serves as the formal application to receive payable death or survivor benefits and to identify family members who may be legally entitled to benefits.
  • If you would like to update your beneficiary designation, please complete the Pre-Retirement Lump Sum Beneficiary Designation Form and mail to the address on the bottom of page 2 on the form.

For more information on the application process, beneficiary designation and benefits payable, please visit the CalPERS Website or contact them directly at 1-888-225-7377.

Social Security Survivor Benefits

When an individual who has worked and paid Social Security taxes dies, certain members of the family may be eligible for survivors' benefits.
If eligible, Social Security Survivor Benefits can be paid to:

• A widow/widower - full benefits at full retirement age (currently age 65) or reduced benefits as early as age 60.
• A disabled widow/widower (as early as age 50).
• A widow/widower at any age, if he or she takes care of the deceased's child who is under age 16 or disabled, and receiving Social Security benefits.
• Unmarried children under 18 or up to age 19, if they are attending high school full time.
• Under certain circumstances, benefits can be paid to stepchildren, grandchildren or adopted children.
• Children at any age who were disabled before age 22 and remain disabled.
• Dependent parents age 62 or older.

For more information, please visit the Social Security Website or contact them directly at 1-800-772-1213.

Lactation Room

CSUSB and the Division of Student Affairs are committed to supporting students and employees who need to express milk or nurse their child during hours of operation by providing lactation rooms in close proximity to their classes or workspaces. These spaces are private, secure, and located throughout the campus. Please note some spaces do require reservation, and mothers expressing milk are expected to make their own arrangements for refrigeration.

The following rooms are available: California State University, San Bernardino

Childcare Affiliations

The CSU has partnered with KinderCare to provide a 10% tuition discount to employees seeking childcare services. 

To learn more, please download the KinderCare Brochure and visit the KinderCare Education Website.