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.

Coverage Highlights:

  • 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.

Learn More

Want more information? Contact one of our experienced insurance representatives today.

Find Your Local Agent

Applications & Brochures


CAP Application


CAP Brochure

Claim Forms

Accident Disability Claim Form
(for CAP Only - see Disability page for DI Claim forms)

Accident Hospital Indemnity Claim Form

To complete an application, please complete it in full, and send it to:

Pearl Insurance
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 GMR-GCAP-2021.

New York Life Insurance Company’s state of domicile is New York, and NAIC ID# is 66915.