Eligibility

Permanent federal government employees working at least 17.5 hours per week and residing in the United States (except Vermont), District of Columbia and Puerto Rico may apply for the Basic Group Term Life Insurance plan. Coverage is also available for your lawful spouse (under age 70) and dependent children between 14 days and 19 years (or 25 years if they are a full time student) provided they are not disabled.

Accidental Death and Dismemberment Insurance:

You (the member) can receive an Accidental Death & Dismemberment (AD&D) benefit equal to 100% of your Basic Group Term Life benefit if a covered accident results either in the loss of life, loss of both hands, both feet, one hand and one foot, one hand and the sight of one eye, one foot and the sight of one eye, or sight of both eyes. You can receive an AD&D benefit equal to 50% of your Basic Group Term Life benefit in force if a covered accident results in the loss of a single hand or foot or loss of sight in one eye. These losses must result directly from and within 180 days after accidental injuries are sustained while insured. Loss of hand and foot means it is completely severed through or above the wrist or ankle joint. Loss of sight means total and irrevocable loss.

Plus, an additional 40% benefit is available if death occurs while on Federal Government business as a Federal Law Enforcement Officer.

Seatbelt Benefit:

The Seat Belt Provision pays an additional 10% up to $10,000, if your death results from an automobile accident while wearing a seat belt. This benefit applies to the member only.

Accelerated Death Benefit*:

The Accelerated Death Benefit (terminal illness benefit) can pay a lump sum of 50% of the coverage amount in force if you become terminally ill and your life expectancy is 12 months or less (24 months for residents of Illinois). Complete details of this provision are available in the Certificate of Insurance. Receipt of this benefit may affect your eligibility for public assistance programs and may be taxable. You may wish to consult a tax advisor before using this benefit.

*Not available to residents of Massachusetts

Group Conversion Privilege

You have the privilege of converting your group coverage to an individual policy subject to certain conditions. No medical examination will be required. (Your Certificate of Insurance will provide more details about this Conversion Option.)

Waiver of Premium

If you become totally disabled prior to age 60 and that disability lasts for 9 consecutive months, the insurance company will continue your insurance in force up to age 65 without further payment of premiums so long as the total disability continues. Complete details will be in your Certificate of Insurance.

Right to change benefits, rates or terminate the plan

Changes to the group policy are subject to agreement between the group policyholder (CSEBA) and New York Life. CSEBA or New York Life may terminate the plan on any premium due date with advance notice. Rates may be changed by New York Life on any premium due date and on any date which benefits are changed, but only on a class-wide basis. For example a class is a group of insureds with the same age or gender.

Certificate of Insurance

The information provided here is only a brief description of the principle provisions and features of the plan. The complete terms and conditions are set forth in the certificate of insurance, under group policy G-29155-0/FACE, which will be mailed to you upon approval. This group policy is issued by New York Life Insurance Company to the Civil Service Employee Benefit Association on Policy Form GMR.

Plan Administrator:
Wright & Company
706 Philadelphia Pike
Suite 1
Wilmington, DE 19809
800-424-9801

Wright and Co.'s state of domicile is the District of Columbia and principal place of doing business is Delaware. California License Number 0660640.

Arkansas Agent Name: Glenn Clark
Arkansas Agent License Number: 211868
California Agent Name: Glenn Wesley Clark
California Agent License Number: 0C47258

Underwritten by:
New York Life Insurance Company
51 Madison Avenue
New York, NY 10010

New York Life Insurance Company is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico and Canada. However, not all group plans it underwrites are available in all jurisdictions. Please check the Plan details sections for current availability. New York Life Insurance Company’s state of domicile is New York, and NAIC ID# is 66915.

Additional Information

The Civil Service Employee Benefit Association (CSEBA) and Special Agents Trust for Insurance (SATI) are group policyholders of this insurance program. Both organizations make available voluntary risk management products and services, other voluntary benefits, and educational services to current and former federal employees. Wright USA acts as the program administrator for both CSEBA and SATI.