Member-only benefit in partnership with Pearl Insurance
OCSEA has teamed up with Pearl Insurance to offer Workplace Security Insurance, which covers death and dismemberment while on the job and in the event of a hostage situation. The insurance policy is exclusively available to members of the union and is automatically applied as part of membership for all dues-paying OCSEA members effective Oct. 1, 2025.
The $10,000 insurance policy will be provided at absolutely no cost to members, but only to members. Non-members can receive the benefit if they sign a membership card with the union.
“This is a way to show appreciation for your commitment to public service and for being a valued member of OCSEA,” said OCSEA President Chris Mabe, who introduced the benefit at the 2025 OCSEA Biennial Convention in Cleveland, Ohio.
Previously, the union only provided coverage for members who are on the frontlines in dangerous jobs at the Dept. of Rehabilitation and Correction and DYS. "Now we are thrilled to expand the coverage to ALL members, including those frontline agencies," said President Chris Mabe.
Questions & Answers
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Who is covered under this policy? All eligible OCSEA members are automatically enrolled and covered under this policy effective October 1, 2025—no action is required.
What does the policy protect against? If you are a victim of a workplace hostage or captivity situation; you may be eligible to receive the following benefits: • Captivity • Occupational Accidental Death • Permanent Total Disability • Dismemberment
What if the incident is unrelated to captivity? The policy still provides coverage if you suffer a loss at the workplace: • $10,000 for accidental death or major dismemberment • $5,000 for partial dismemberment
Is there a maximum payout? Yes. The maximum total payout for all claims resulting from a single captivity event is $2,000,000.
Can you designate a beneficiary for this policy? The insured has the right to name a beneficiary. The beneficiary must be someone other than the group policyholder (OSCEA). A designation of beneficiary form may be requested from Pearl Insurance.
How do I submit a claim under this policy? Contact Pearl Insurance and a Claims Examiner will walk you through the process. Designation of Beneficiary Forms and Workplace Security Claim Forms may be obtained from: Pearl Insurance Attn.: OCSEA Workplace Security Claims, 13 Airline Drive, Albany, NY 12205 | Phone: 800.859.2552