Page 18 - Work Force September 2022

Learn more about the EBF Workplace Security Benefit
We hope you will never need to use a benefit like this, but if you are involved in a criminal assault while on the job, the CSEA Employee Benefit Fund (EBF) has you covered.
Known for our dental and vision plans, the Workplace Security Benefit is a benefit that many members do not know much about.
Who is eligible?
Any CSEA member in good standing who is enrolled in a CSEA Employee Benefit Fund dental and/or vision benefit is covered automatically. There is no cost to the member for this coverage. This benefit is in addition to the CSEA $10,000 Accidental Death Benefit and any other life, accident, and disability coverage you might carry through a different vendor.
What is the benefit?
Employees can receive a benefit
if they are a victim of a criminal assault or suffer trauma as a result of being held captive while performing their CSEA job duties.
Assault benefits payable
• Level One – Assault in the 1st Degree: $10,000 for incidents requiring a hospital stay of two consecutive nights, or
an incident of rape of the
covered employee.
• Level Two – $2,000 for
incidents involving injuries requiring a hospital stay of two consecutive nights, or the covered employee suffers fractures.
• Level Three – $500 for all other occupational assault incidents.
Except for rapes, benefits are payable when an occupational assault results in being unable to perform their usual occupation for a period of at least 10 consecutive working days immediately following an assault.
Accidental Death or Dismemberment Benefit
A $10,000 benefit is payable as a result of an occupational accidental death or dismemberment resulting
from an occupational assault.
A $5,000 benefit is payable for dismemberment of either hand or foot or loss of sight in one eye.
Permanent Total Disability Benefit
If a covered employee suffers a permanent total disability as a result of an occupational assault, a one-time payment equal to 400% of the assault benefit is payable.
Captivity benefits payable
A captivity benefit will be payable if a covered employee is the victim of an occupational captivity or hostage situation. A captivity exists when an employee is held against their will and has been refused release.
• 0-8 hour captivity - 25% of the covered employee’s annual basic salary, up to a benefit maximum of $100,000.
• 8+ hour captivity - 50% of the covered employee’s annual basic salary, up to a benefit maximum of $100,000.
How to submit a claim
Submit a completed Workplace Security Insurance claim form to Pearl Insurance, along with copies of the filed police report, a medical statement certifying the extent of the injuries and proof of immediate medical attention from the attending physician which has been sought within 24 hours of the incident, and documentation from your employer indicating that you were performing your job duties at the time of injury.
Include a statement from your
employer indicating the injury resulted in you being out of work for 10 or more consecutive workdays from the date of the incident.
The insured has the right to name a beneficiary. The beneficiary must be someone other than the group policyholder. A designation of beneficiary form may be requested from Pearl Insurance. Contact Pearl Insurance:
Pearl Insurance
Attn: CSEA/EBF Workplace Security Claims
13 Airline Drive
Albany, NY 12205
Phone: (800) 859-2552 Fax: (518) 640-8105
Note: This article is only a summary of the benefits provided under the Workplace Security program underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 on policy form BA-WS-NY.11. Please
see the group policy, G-29337-0, for complete details, including plan features, costs, eligibility, limitations and exclusions. Download a plan summary description at https://www. cseaebf.com/brochures.php.
CSEA Legal Services Program
Taking Care of Business
Legal Services Plan
Workers’ Compensation
Social Security Disability Benefits
Personal Injury Claim
Veterans Disability Benefits
WE CAN HELP!
The CSEA Legal Department oversees the Legal Services Program and CSEA has endorsed the statewide law
firm of Fine, Olin & Anderman, LLP, to represent members for injury-related matters. For further information, call the CSEA Legal Department at 1-800-342-4146 or FOA directly at 1-800-522-9001.
STAY CONNECTED with our union!
The newly updated My CSEA smartphone app, available for Apple and Android devices, keeps you connected to our union and provides important information about your representation and benefits.
Download the app today and STAY CONNECTED!
cseany.org/myCSEAapp
18 The Work Force
September 2022