Travel and Accident Insurance for Excluded Employees

The State of California provides an employer-paid Common Carrier Travel and Accident Insurance for active State employees designated Manager, Supervisor, Confidential, and other specified, excluded employees. This $150,000 accidental death and dismemberment insurance policy insures against job-related accidental death/dismemberment on commercial carriers licensed by the Public Utilities Commission.

Level of Coverage

For Loss of:  

Life -  The Principal Sum

Hands or Both Feet or Sight of Both eyes - The Principal Sum

One Hand and One foot - The Principal Sum

One Hand or Foot and Sight of One Eye - The Principal Sum

Speech and Hearing - The Principal Sum

Either Hand or Foot - One-Half the Principal Sum

Speech or Hearing - One-Half the Principal Sum

Sight of One Eye - One-Half the Principal Sum

Thumb and Index Finger - One-Quarter the Principal Sum 

Beneficiary Designation

Benefits payable under this program are paid according to the standard order of beneficiary. The standard order of beneficiary is as follows:

• the beneficiary designated for the insured employee's group life insurance coverage, otherwise:
• the insured employee's surviving spouse/domestic partner, if none;
• the insured employee's surviving child or children, in equal shares, otherwise;
• the insured employee's parents, in equal shares or the surviving parent, if none;
• the insured employee's surviving brother(s) or sister(s), in equal shares or the survivors of them, if none;
• the insured employee's Executor or Administrator.

Family status changes, such as divorce and remarriage are automatically adjusted, provided an employee has not designated a beneficiary other than above.

Enrollment

When an employee moves into an eligible classification, enrollment in the State-paid Common Carrier Travel and Accident Insurance is automatic.

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