Group Comprehensive Accident Insurance Plan (CAP)
CAP is designed to provide CSEA members and their spouses/domestic partners (under age 60 and actively at work) with bundled accidental insurance protection, on or off the job. CAP provides three different accidental coverages under one plan: Accident Hospital Indemnity, Accident Disability Income, and Accidental Death.
Together, these coverages can help protect you from the potential financial hardships an accident may cause. This policy pays a cash benefit directly to you for injuries sustained from a covered accident and also includes an outpatient emergency benefit—exclusively for CSEA members!Note: This does not provide coverage for sickness.
- Accident Hospital Indemnity Benefit: $100 per day for hospitalization up to 500 days, plus $50 outpatient emergency accident benefit up to 2 visits per year (payable for visits that do not require hospitalization)
- Accident Disability Income Benefit: $1,000 per month up to 6 months
- Accidental Death Benefit: $100,000 for a covered accidental death if death occurs within 365 days of the original accident
- Acceptance is guaranteed for eligible members and spouses/domestic partners: there’s no medical exam or health questions!
Rate as of 2022
Members in Clerical Job classification pay just $9.09 per bi-weekly paycheck for member coverage, or $18.18 for member and spouse coverage.*
Members in a Non Clerical Job classification pay just $15.00 per bi-weekly paycheck for member coverage, or $30.00 per biweekly paycheck for member and spouse coverage.
*Based on 26 pay periods. Rates may be changed by New York Life Insurance Company on any premium due date and any date on which benefits are changed.
*Note: A member in a clerical job classification is one who is solely engaged in office or clerical work.
Want more information? Contact one of our experienced insurance representatives today.
Applications & Brochures
Accident Disability Claim Form
(for CAP Only - see Disability page for DI Claim forms)
To complete an application, please complete it in full, and send it to:
13 Airline Drive
Albany, NY 12205
This is only a brief summary of benefits and is subject to the terms, conditions, exclusions, and limitations of group policy number G-30350-0. Coverage may vary and may not be available in all states. Complete terms and conditions are found in the group master policy and are summarized in your certificate. Underwritten by: New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on Policy Form
New York Life Insurance Company’s state of domicile is New York, and NAIC ID# is 66915.