Common Carrier Travel and Accident Insurance for Excluded Employees
Common Carrier Travel and Accident Insurance – Excluded Employees Only
The State of California provides an employer-paid Common Carrier Travel and Accident Insurance for active state employees designated managers, supervisors, confidential, and other specified, excluded employees.
This insurance policy covers eligible excluded employees anywhere in the world while they are a passenger on a common carrier for business-related travel.
Eligibility
Employees who are eligible must work half-time or more with one of the following designations:
Permanent, CEA, Limited-Term of 6 months or more, or TAU in lieu of permanent appointment if CBID is:
- Managerial, Supervisory, Confidential; or
- E48, E50, E58, E59, E68,E78, E79, E88, E88, E89, E92, E97, E98, or E99 or
- E90 in class codes 2545, 4189, 4232, 5309, 5319 or 569; or
- E97 in class codes 5987, 5988, 5991 or
- *Employees moved to E01 through E21, E67, or E77 or
- Permanent-Intermittent employees who meet the above criteria
*Employees moved to E01 through E21, E67 or E77 due to mid-management reduction retain their coverage; however, future incumbents who are designated represented are not eligible for this benefit.
Enrollment
When an employee enters into an eligible classification, enrollment in the employer-paid Common Carrier Travel and Accident Insurance is automatic.
Benefit Amount for Covered Loss
| Covered Loss | Benefit Amount |
| Life | 100% of the Principal Sum |
| *Quadriplegia | 100% of the Principal Sum |
| Two or more *Members | 100% of the Principal Sum |
| One Member | 50% of the Principal Sum |
| *Hemiplegia | 75% of the Principal Sum |
| *Paraplegia | 75% of the Principal Sum |
| *Uniplegia | 25% of the Principal Sum |
| Thumb and index finger of the same hand | 25% of the Principal Sum |
| Four Fingers of the same hand | 25% of the Principal Sum |
*Quadriplegia means total Paralysis of both upper and lower limbs.
*Hemiplegia means total paralysis of the upper and lower limbs on one side of the body.
*Uniplegia means total paralysis of one lower limb and one upper limb.
*Paraplegia means total paralysis of both upper limbs.
*Member means loss of hand or foot, loss of sight, loss of speech and loss of hearing.
Exclusions
Benefits will not be paid for loss that is caused or contributed by:
- Intentionally self-inflicted injuries,
- Suicide or an attempted suicide,
- Intoxicated or under the influence of any narcotics, unless administered on the advice of a doctor.
- While on an aircraft (as a pilot, crewmember, or student pilot.)
- War or any act of war, declared or undeclared,
- Injury sustained while on active duty as a member of the armed forces (land, water, air)
- Attempt to commit a felony.
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 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.
Contact Information
The employee should contact their departmental personnel office, on how to file a claim, designate a beneficiary other than the standard order stated above, or for more information regarding the Common Carrier Travel and Accident Insurance.
