Critical Illness Insurance

CSEA-Sponsored Critical Illness Insurance can provide Active Members with a lump benefit that you can spend as you wish if you are diagnosed with a critical illness.*

*Payment is made only upon diagnosis verification.

Plan Highlights:

Guaranteed Issue¹ Benefit Amounts: $10,000, $20,000, $30,000 and now $50,000!
Recurrence benefit up to 300% of your total benefit may be payable depending on plan purchased and type of covered illness².
No age limit for eligibility! Just be an Active CSEA Member!
Spouse/Domestic Partner and Child Coverage available.
Covers 6 Major Illnesses that now includes Alzheimer's Disease.

¹You must be an active member of CSEA and you have to be able to perform normal activities.

²Refer to your certificate for details on covered illnesses

Plan Details

The CSEA-Sponsored Critical Illness Insurance Program covers these conditions.*

Full benefit cancer
Partial benefit cancer: 25% of benefit amount
Skin Cancer: 5% of benefit amount
Heart attack
Stroke
Coronary artery disease
Major organ transplant (other than bone marrow)
Kidney failure
Alzheimer's Disease

*The Benefit Amount that determines the benefits for Covered Conditions is shown on your enrollment form. Please refer to certificate for full plan details.

Like most group benefits programs, benefit programs offered by MetLife contain certain exclusions, exceptions, waiting periods, reductions, limitations and terms for keeping them in force. Ask your Plan Administrator, Pearl Insurance, for costs and complete details.

METLIFE CRITICAL ILLNESS INSURANCE (CII) IS A LIMITED BENEFIT GROUP INSURANCE POLICY. Like most group accident and health insurance policies, MetLife’s CII policies contain certain exclusions, limitations and terms for keeping them in force. Product features and availability may vary by state. In most plans, there is a pre-existing condition exclusion. After a covered condition occurs, there is a benefit suspension period during which most plans do not pay recurrence benefits, except in the case of insureds covered under a New York certificate. MetLife offers CII on both an Attained Age and an Issue Age basis. Attained Age rates are based on 5-year age bands and will increase when a Covered Person reaches a new age band. MetLife’s Issue Age CII is guaranteed renewable, and may be subject to benefit reductions that begin at age 65. Premium rates for MetLife’s Issue Age CII are based on age at the time of the initial coverage effective date and will not increase due to age; premium rates for increases in coverage, including the addition of dependents’ coverage, if applicable, will be based on the covered person’s age at the time of the initial coverage effective date. Rates are subject to change for MetLife’s Issue Age CII on a class-wide basis. A more detailed description of the benefits, limitations, and exclusions applicable to both Attained Age and Issue Age CII can be found in the applicable Disclosure Statement or Outline of Coverage/Disclosure Document available at time of enrollment. For complete details of coverage and availability, please refer to the group policy form GPNP07-CI, GPNP09-CI or GPNP14-CI, or contact MetLife for more information. Benefits are underwritten by Metropolitan Life Insurance Company, New York, New York.

MetLife's Critical Illness Insurance is not intended to be a substitute for Medical Coverage providing benefits for medical treatment, including hospital, surgical and medical expenses. MetLife's Critical Illness Insurance does not provide reimbursement for such expenses.

Learn More

Call and speak to a CSEA Insurance Representative today at:

877-VIP-CSEA (847-2732)

Application, Claim Forms & Brochure

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

Pearl Insurance
13 Airline Drive
Albany, NY 12205