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Voya Employee Benefits Resource Center

Midwest Coalition of Labor Trust, IUPAT-DC7

Accident Insurance

Group Name: Midwest Coalition of Labor Trust
Group Number: 706965

Get benefit payments for specific events when a covered accident happens.

Accident Insurance can help ease the financial stress that comes with an accidental injury. It pays benefits for specific, covered accidents and injuries that happen on or after your coverage effective date. The benefit amount depends on the type of injury you have and the treatment you receive. 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. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any benefits.

Your Accident Insurance includes the following benefits:

Sports Accident Benefit

If your accident happens while participating in an organized sporting activity mentioned in the certificate; the accident hospital care, accident care or common injuries benefit will be increased.

Wellness Benefit

This is a yearly benefit you and everyone covered on your certificate can receive by completing an eligible health screening test.

Additional services included:
Voya Cares®

Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.

 
We are committed to being a leader in making a positive difference in the lives of individuals with special needs and disabilities - as well as their families, caregivers and other providers - by offering a depth of resources focused on education, planning and solutions through Voya Cares®.

Voya Travel Assistance

Group Name: Midwest Coalition of Labor Trust
Group Number: 706965

Being in an unfamiliar place can be stressful, especially if something goes wrong. Voya Travel Assistance offers you and your dependents four types of services when you’re more than 100 miles from home, including pre-trip information, emergency personal and transportation services, and medical assistance. To learn more, click here.

Contract #: 17372020

In the US, Toll Free: 800‑859‑2821
Worldwide, Collect: 202‑296‑8355.

Travel Assistance services are provided by Europ Assistance USA, Bethesda, MD. Services and availability may vary by state.

Certificates
Review this document for a complete overview of benefits

Accident Certificate

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?

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 and your eligible children up to age 26* as defined in the certificate of insurance and riders, 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 summary of benefits only. 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-ACC2-POL-12; Certificate Form #RL-ACC2-CERT-12; and Rider Forms: Spouse Accident Rider Form #RL-ACC2-SPR-12, Children's Accident Rider Form #RL-ACC2-CHR-12, Wellness Benefit Rider Form #RL-ACC2-WELL-12, Accidental Death & Dismemberment (AD&D) Rider Form #RL-ACC2-ADR-12, Catastrophic Accident Rider Form #RL-ACC2-CAR-12, Off Job Accident Disability Income Rider form #RL-ACC2-DIR-12 and Sickness Hospital Confinement Rider Form #RL-ACC2-HCR-12. Form numbers, provisions and availability may vary by state.

Accidents can happen any time and the expenses from an accidental injury, like a fracture or dislocation, can add up quickly. Accident insurance can help keep an injury from running through your savings. You can use the money to pay for medical expenses, monthly bills or however you like.

Example Expenses

Surgery $1,000
Hospital confinement $2,000
Medical equipment $1,500
Physical therapy + $500
Total out-of-pocket expenses $5,000

Accident Insurance benefits paid
Surgery $800
Hospital confinement (365 day maximum) $600
Medical equipment $500
Physical therapy (6 session maximum) + $450
Total benefits paid $2,350

The amounts shown above are for illustrative purposes only. Actual costs/results may vary.

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