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Annual enrollment: October 22 - November 02, 2018

Take advantage of the additional insurance benefits your employer is offering you.

Accident Insurance

Pays you benefits for specific injuries and events resulting from a covered accident.

 

FAQs

Accident Insurance

What is Accident Insurance?

Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident that occurs on or after your coverage effective date. The amounts paid depend on the type of injury and care received. Accident Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

How can Accident Insurance help?

You can use the benefit however you would like. Below are a few examples of how your Accident Insurance benefits could be used:
  • Medical expenses, such as deductibles and co-pays
  • Home healthcare costs
  • Lost income due to lost time at work
  • Everyday expenses like utilities and groceries

Why should I enroll through my employer?

  • Rates are typically lower when you purchase group insurance coverage through your employer.
  • Premium amounts are deducted from your paycheck, so you don’t have to worry about paying another bill.

Can I purchase coverage for my spouse and child?

  • Coverage is available for your spouse under age 70* and children up to age 26* if employee coverage is elected. 
*Standard ages. May vary.

How much does it cost?

  • The cost of Accident Insurance varies. It is very likely that your monthly premium will be less than a trip to the movie theater.

Do I need to provide health information?

  • You are eligible for guaranteed issue, which means no medical questions or tests are required to enroll in this coverage.

This is a brief description of coverage only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. Accident Insurance is underwritten by ReliaStar Life Insurance Company(Minneapolis, MN), a member of the Voya® family of companies.

Critical Illness Insurance

Pays a lump sum benefit if you are diagnosed with a covered disease or condition.

 

FAQs

Critical Illness Insurance

What is Critical Illness Insurance?

Critical Illness* Insurance pays a lump sum benefit if you are diagnosed with a covered illness or condition on or after your coverage effective date. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

*Critical Illness is called Specified Disease in some states.

How can Critical Illness Insurance help?

Below are a few examples of how your Critical Illness Insurance benefit could be used (coverage amounts may vary):
  • Medical expenses such as deductibles and co-pays
  • Child care
  • Mortgage payment/rent and home maintenance
  • Everyday expenses like utilities and groceries

Why should I enroll through my employer?

  • Rates are typically lower when you purchase group insurance coverage through your employer. 
  • Premium amounts are deducted from your paycheck, so you don’t have to worry about paying another bill.

Can I purchase coverage for my spouse and child?

  • Coverage is available for your eligible spouse under age 70* and children up to age 26* if employee coverage is elected.
*Standard ages. May vary.

How much does it cost?

  • The cost of Critical Illness Insurance varies based on your age and the amount of coverage. It is very likely that your monthly premiums will be less than your monthly lunch budget.

Do I need to provide health information?

  • You are eligible for guaranteed issue, which means no medical questions or tests are required to enroll in this coverage. Pre-existing conditions may apply. See the Certificate of Insurance and any riders for a complete list of available benefits along with applicable provisions, exclusions and limitations.

This is a brief description of coverage only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. Critical Illness Insurance is underwritten by ReliaStar Life Insurance Company(Minneapolis, MN), a member of the Voya® family of companies.

This is a summary of benefits only. Please see the brochure or enrollment materials for more information. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination.

Accident Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-ACC3-POL-16. Form numbers, provisions and availability may vary by state.

Critical Illness Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #RL-CI3-POL-12. Form numbers, provisions and availability may vary by state.