Common Carrier Travel and Accident Insurance - CalHR

Benefits Administration Manual - Common Carrier Travel and Accident Insurance

 

Content

 

801.1. General Information

The Common Carrier Travel & Accident Insurance Program is a State-paid benefit provided for managers, supervisors, confidential, and other specified, excluded employees that are required to travel on State business away from the premises where he/she is permanently assigned. The current carrier is ACE Insurance Company at Philadelphia, Pennsylvania.
 

Authority

Government Code Section 19849.11
 

801.2. Eligibility

Employees must work half time or more with one of the following designations:
Permanent, CEA, Limited Term of 6 months and over, or TAU in lieu of permanent appointment if CBID is: M, S, C, E48, E50, E58, E59, E68, E78, E79, E88, E89, E92, E97, E98, or E99; or E90 in class codes 2545, 4189, 4232, 5309, 5316, 5319 and 5695; or E91 in class codes 5987, 5988, 5991; or employees moved to E01 through E21, E67, or E77 *due to middle management reductions.
Intermittent only if permanent, who meet the above requirements.
 
Employees moved to E01 through E21, E67, or E77 due to mid-management reductions retain their coverage; however, future incumbents are designated represented and are not eligible for this benefit.
 

801.3 Covered Travel Benefit

If an insured employee is required to travel on State business away from the work premises where he or she is permanently assigned, any loss incurred by the insured employee during the business trip is covered.
 
  • Coverage begins from the actual start of a planned trip. The insured employee may leave from his or her place of work, home or another location. The coverage stops upon the return to the insured employee's place of work or home, whichever occurs first.
  • Commuting travel is not covered. Commuting travel is defined as travel to the insured employee's place of work or home.
  • Air travel coverage is limited. It only applies while riding as a passenger (not as a pilot or crewmember), on a Military air transport aircraft in any country or on any civil aircraft. (Such civil aircraft cannot be owned or operated by an insured employee or by the State.) Such aircraft must (1) be operated by a duly licensed pilot; (2) have a current unrestricted airworthiness certificate; and (3) not be used to fight fires, inspect pipelines or power lines, take aerial photos, or explore.
 

801.4. Exposure and Disappearance

A loss that is the result of unavoidable exposure to the elements is also covered. One of the hazards described above must have caused such loss. Benefit payment is prescribed below.
 
Subject to the terms of the policy, loss of life of an insured employee will be presumed if his or her body has not been found within one (1) year after having been involved in one of the covered hazards.
 
 

801.5. Level of Coverage

The level of coverage for each eligible employee is up to $150,000 (i.e., the principle sum) for accidental death and dismemberment.
 
If an insured employee suffers one or more of the losses shown below as a result of "injury", payments will be for the sum shown below for the loss. The loss must occur within one year after the date of accident. Only the larger of the sums will be paid for the insured employee if more than one loss results from an accident.
 
For Loss of: Life
Payment: The Principal Sum
 
For Loss of: Both hands or both feet or sight of both eyes
Payment: The Principal Sum
 
For Loss of: One hand or one foot
Payment: The Principal Sum
 
For Loss of: One hand or foor and sight of one eye
Payment: The Principal Sum
 
For Loss of: Speech and hearing
Payment: The Principal Sum
 
For Loss of: Either hand or foot
Payment: One-half of the Principal Sum
 
For Loss of: Speech or hearing
Payment: One-half of the Principal Sum
 
For Loss of: Sight of one eye
Payment: One-half of the Principal Sum
 
For Loss of: Thumb or index finger
Payment: One-quarter of the Principal Sum

 

801.6. Exclusions

Benefits will not be paid for a loss that is caused by or results from:
  • Intentionally self-inflicted injuries;
  • Suicide or any attempted threat;
  • War or any act of war, declared or undeclared.
  • Service in the armed forces of any country and in such event, the pro-rata unearned premium will be returned;
  • Illness, disease, or any bacterial infection other than bacterial infection occurring in consequence of an accidental cut or wound;
  • Travel or flight in any aircraft except as specified in covered travel. 

801.7. Enrollment

Enrollment in the State-paid Common Carrier Travel and Accident Insurance is automatic. The effective date of coverage is the date when the employee is appointed to an eligible classification.

There is no policy booklet or certificate provided by the carrier. 

801.8. Beneficiary Designation

Benefits payable under this program of eligible employees who are required to travel on State business away from the work premises where he or she is permanently assigned, and have incurred any loss during a business trip is covered. Benefits are paid in the following order unless the Department of General Services, Office of Risk Management has a designated beneficiary form on file for the employee, other than the order below:
  • The insured employee's surviving spouse, or registered domestic partner, if none;
  • The insured employee's surviving child(ren), if none;
  • The insured employee's surviving parent(s), if none;
  • The insured employee's surviving sibling(s), if none;
  • The insured employee's estate.
 
Family status changes, such as divorce and remarriage are automatically adjusted, provided an employee has not designated a beneficiary other than the above with the Department of General Services, Office of Risk Management.
 
If an employee has questions or would like to make changes to a beneficiary on file, please contact Department of General Services at (916) 376-5279 or CalHR at (916) 324-5553.

Updated 4/23/2014