State of California

M E M O R A N D U M

To:       PERSONNEL MANAGEMENT LIAISONS                Date: May 15, 1992
                                             Reference Code: 92-58

          THIS MEMORANDUM SHOULD BE DISTRIBUTED
          TO ALL PERSONNEL OFFICERS AND PERSONNEL
          TRANSACTIONS STAFF


From:     Department of Personnel Administration


Subject:  Common Carrier Insurance for Excluded Employees


The State of California provides an employer-paid $150,000
Common Carrier Insurance with The Hartford Life and Accident
Insurance Company for each full-time managerial, exempt,
supervisory, and confidential employee under age 80.  This
accidental death and dismemberment insurance policy covers
eligible employees anywhere in the world while they are a
passenger on a common carrier for business-related travel.
Employees are automatically covered by this policy when they
enter an eligible class and terminated from it when they
leave an eligible class.  Please inform all eligible
employees of this benefit.

A common carrier is a vehicle operated by a non-State
entity, organized and licensed for the transportation of
passengers for hire, and operated by an employee of that
entity.  Employees are covered while they are on business-
related travel and are (1) a passenger on, boarding on, or
departing from a land or water common carrier or common
carrier civil or public aircraft or Military Airlift Command
(MAC) aircraft or (2) being struck by an aircraft.  Coverage
begins when employees leave their residence or place of
regular employment, whichever occurs last, for the purpose
of beginning the business trip and ends when they return to
their residence or place of regular employment,  whichever
occurs first, for the purpose of ending the trip.  Travel to
and from work and during approved leaves of absences and
vacations are excluded.

The benefit payment schedule is as follows:

For Loss Of:  Amount Payable

Life      Principal Sum
Both Hands or Both Feet or
  Sight of Both Eyes Principal Sum
One Hand and One Foot Principal Sum
Speech and Hearing Principal Sum
Either Hand or Foot and Sight of One Eye Principal Sum
Either Hand or Foot One-Half of Principal Sum
Sight of One Eye One-Half of Principal Sum
Speech or Hearing One-Half of Principal Sum
Thumb and Index Finger of Either Hand One-Quarter of
Principal Sum

If an employee has more than one loss from the same
accident, The Hartford will not pay more than the principal
sum.  If more than one person is injured in the same
accident, the maximum benefits payable for all claims is
$7,500,000.
Personnel Management Liaisons
May 15, 1992
-2-


The policy will not cover any loss resulting from the
following:

          1. intentionally self-inflicted injury, suicide or
      attempted suicide, whether sane or insane;
          2. war or act of war, whether declared or
undeclared;
          3. injury sustained while in the armed forces of
      any country or international authority;
          4. injury sustained while on any aircraft unless
      the employee receives bodily injury resulting directly
      and independently of all other causes from an accident
      while a passenger on, boarding on, or departing from
      (1) a land or water common carrier or (2) common
      carrier civil or public aircraft or Military Airlift
      Command (MAC) aircraft or (3) being struck by an
      aircraft.

Benefits from this Common Carrier Insurance are payable to
the same beneficiary for the State-paid Basic Group Term
Life Insurance Policy for Excluded Employees unless
otherwise designated.  The benefits for the State-paid Life
Insurance Policy are payable as follows:

          1. to the beneficiary designated specifically for
           the State-paid Basic Group Term Life Insurance
           Policy; if none, then
          2. according to the standard order which is as
follows:
           a. to surviving spouse; if none, then
           b. to surviving natural and/or adopted children;
              if none, then
           c. to surviving parent(s); if none, then
           d. to the deceased's estate.

If employees do not remember who their beneficiary is for
the Life Insurance Policy, they can contact the carrier
Metropolitan Life at (415) 546-3538.

If employees want to designate a beneficiary for the Common
Carrier Insurance, they should contact the Department of
Personnel Administration, Benefits Division, at (916) 324-
0533/ATSS 454-0533, to request the Common Carrier Insurance
Beneficiary Designation Form.  Employees are responsible for
submitting the completed designation form to their
departmental personnel office for retention in their
personnel file.  The designation will remain enforce as long
as the employee is in an eligible class.

Please note that there is no conversion privilege for this
policy when the employees leave an eligible class.

If you have any questions, please contact the Benefits
Division at (916) 324-0533/ATSS 454-0533.




Patricia Pavone, Chief
Benefits and Training Division