Pacific Educators

Pacific Educators (Pac Ed) is one of California's oldest and largest providers of employee benefits to education/school personnel and their families and has been serving RUSD employees since 1971.   Pac Ed focuses on providing the highest quality Disability Insurance, Life Insurance, and Cancer Insurance available to California Teachers, California School Employees (Classified) and California Administrators/Management.  All of their products are from reputable, top-rated insurance companies.

Term Life Insurance: Option 1

• • • • • • 6 plans to choose from to meet any budget.

          • Premiums start at just $4.50 a month.

          • Spouses may be covered without the employee.

          • Family coverage is available and provides $5,000 in coverage to all dependent children (6 months to 23 years) and spouse for only $1 a month.

          • Accelerated life insurance benefits provide early payments for critical illness.

          • Coverage may be continued even if you leave the District.

Term Life Insurance: Option 2  (Tailor the coverage to fit your needs)

• • • • • • Buy from 1 to 14 units starting at just $2 per unit.

          • New employees can receive 1 unit of coverage Guarantee Issue (no health questions) if applied for within the first 120 days of employment.

          • All Unmarried dependent children (6 months to 25 years) are eligible for $2,500.00 to $10,000.00 of coverage.

          • May be continued even if you leave employment with the District.

California Teacher/Classified Administrator Disability

Most school districts employees do not pay for the State Disability Plan (SDI). This can leave an employee in a serious financial crisis if disabled and unable to work. The California Teacher, Classified Employee, and Administrator Disability Plans are designed to help provide replacement income when employees are sick or injured away from the job. These plans help by offering substantial financial assistance when disability strikes. Some features are:

• • • • • • The plans pay 100% full benefits in addition to sick leave, differential pay, S.T.R.S., and P.E.R.S. benefits.  Many other plans subtract or integrate benefits with other income.

          • The plans pay benefits 12 months a year including offtrack, summer, vacation periods. Many other plans pay only for scheduled work days.

          • Maternity Benefits are available at the option of the employee.

Along with the benefits above, these plans are affordable. You tailor the coverage to meet your specific needs through different waiting periods, benefit amounts, maternity or not, and benefit length.

Other Life Insurance Policies: 

Pacific Educators has the ability to quote any amount of life insurance on a specialized one on-one basis. Their database scans thousands of "A" rated insurance companies' policies to find the best premiums based on your criteria.  Whether you're looking for $50,000.00 or $1,000,000.00 in Level Term, Universal or Whole Life, we have the capability to meet almost any need.

Cancer Insurance: 

Guaranteed acceptance for persons who have not had any forms of cancer in the past 10 years. Plus additional features mammograms and cervical cancer screening benefits without diagnosis of cancer.