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  • Term Life Insurance*:
    • Up to $250,000 of coverage for members.
    • Spouse & children coverage available.
  • Disability Income Insurance Protection**:
    • Income for when you are sick or injured.
  • Universal Life Insurance***:
    • Combines death benefit protection with cash values.
  • Whole Life Insurance**:
    • Level premium, cash & loan value.
  • Critical Illness Insurance:
    • Up to $500,000 of coverage.
  • Personal Lines:
    • Auto, Home, & Renters Insurance.

*Underwritten by Metropolitan Life Insurance Company, New York, NY
**Underwritten by New York Life Insurance Company, 51 Madison Ave., New York, NY 10010 - Policy Form GMR
***Underwritten by The United State Life Insurance Company in the City of New York, NY - Policy Form #92451N

If you would like to meet with your CSEA Insurance Representative,

Anthony Mancuso

"One of a Kind" Programs designed by CSEA for CSEA members only

New Member Guaranteed Issue

  • Term Life - up to $50,000 Member/Spouse
  • Disability - up to $1,000 monthly benefit
    (Pre-existing conditions may apply)
  • Whole Life - up to $25,000 Member

Critical Illness - NOT CANCER ONLY

  • Covers Cancer, Heart Attack, Stoke, Organ, Transplant, Kidney Failure
  • Lump Sum up to $250,000
  • Annual Wellness Benefit $50

CSEA VIP can be Deducted Pre-Tax if IRS qualified

CSEA Term Life has NO termination age

  • Includes Accelerated Death Benefit
  • Includes Premium Waiver with 9 month or greater disability

CSEA Disability includes AD&D (no additional cost)

  • Long & Short Term plans with Lifetime Benefit Unique to CSEA ONLY

CSEA also offers Universal Life and Personal Lines (auto, home, renter, RV, motorcycle, pet insurance, et.)

CSEA Disability and Term Life Insurance has/may offer a partial return of premium

questions & answers

May I fax my new claim / updated paperwork?

Yes, our fax number is 518-640-8105

Did you receive my claim paperwork?

We will notify you within 72 hours via phone of the receipt of your new claim paperwork. At that time, we will renew the claim process and advise you of any missing information. We will also confirm this call with a letter.

What is a Waiting Period?

A Waiting Period is a period of time during which you are to work due to a Covered Disability and during which you will not receive benefits. For example, if you had a 7 day waiting period and went out on Covered Disability on July 1st, the first day you would be paid benefits is July 8th.

When will my check be mailed?

A number of factors impact when a claim check will be mailed. Claims are approved, declined or additional information is requested within 15 business days of its receipt. This will be discussed with you, when we call to review your claim. The date the check will be mailed depends on when all information is received. Claim checks are usually mailed within 2 weeks of our receipt of all information necessary to approve a claim.

Do I have to pay premiums while I am out on claim?

Yes, you should continue to pay your premiums as they come due. Upon approval of your claim, all premiums due after 6 consecutive months will be waived fax as long as you are eligible to receive benefits for that disability.

Can I pay my premiums over the phone?

We will bill you directly for premiums due once payroll deductions stop. These premiums need to be paid by check or money order. We do not have the capability to take payments over the phone.

Why didn't I get a full month of benefits?

Benefits are paid on the information provided by your doctor and employer. We will normally pay a 30-day benefit, unless there is information to indicate you will be able to return to work sooner.

What is a Pre-existing Condition?

A pre-existing condition is a condition for which medical advice was given or treatment was recommended or received from a doctor in the six (6) months prior to the effective date of your initial insurance, or subsequent increase in coverage.

Disabilities due to a pre-existing condition are not covered. However, once you are insured under the Policy for 12 consecutive months, (12 consecutive months from the date of you coverage increase) disabilities occurring after that due date to a pre-existing condition are covered as any other condition.

What other information is necessary to process my claim?

  • If you were in a car accident or were hurt on the job, we will need a copy of the accident report from the police or a copy of your employer's accident report.
  • If you were treated in an Urgent Care or Emergency Room, we will need a copy of the paperwork, indicating the date of treatment.
  • If you have been hospitalized, a document showing the dates of hospitalization should also be included.
  • A copy of your job description is also helpful.

We need you to complete all dates on the claim form and sign and date all forms. This will expedite the processing of you claim! If you have any questions, please do not hesitate to contact:

Anthony Mancuso