Motor vehicle and other unexpected accidents cause 45 million trips to the emergency room each year—costing on average $1,350 per visit.* Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help paying some of your bill?
Accident insurance pays you benefits for specific injuries and events resulting from a covered accident. The amount paid depends on the type of injury and care received. Features of this insurance include:
The cost of Accident Insurance varies. It is very likely that your monthly premium will be less than a trip to the movie theater. See below for your affordable rate.
Monthly Rates – High Plan
Employee + Spouse $12.45
Employee + Children $14.75
*National Hospital Ambulatory Medical Care Survey: 2009 Emergency Department Summary Tables (based on 136 million total annual ER visits).
American Hospital Association Resource Center, April 2012.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
Accident Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Voya Employee Benefits is a division of ReliaStar Life Insurance Company.
How can this help me?
Most families don’t budget for the costs associated with accidents. When an accident does occur, the last thing on your mind is the charges accumulating while at the emergency room:
These costs can add up fast. Most families have medical insurance that will cover a majority of the expenses. But, what about the out-of-pocket medical expenses, such as lost wages an employee or spouse/domestic partner loses when out of work or staying home to care for an injured family member? You hope that an accident never happens, but at some point you very well may take a trip to your local emergency room. If that time comes, wouldn’t it be nice to have an insurance plan that pays you a benefit regardless of any other insurance you have? Accident insurance does just that, providing benefits to cover the costs associated with unexpected accidents.
Who is eligible?
You, your spouse and eligible children qualify for this coverage.
When can I enroll?
As a new hire, you can enroll within your employer’s benefits eligibility guidelines. Outside of your new hire or a new life event period, enrollment is limited to the company’s annual enrollment. Please contact your employer for further details.
What if my employment status changes?
When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you will be billed directly by the insurance carrier.
Will my rates increase as I get older or if I file a claim?
No, your rates will not increase due to age, health or individual claims.
Will I have to take a medical exam to get this coverage?
No! Your Accident insurance is guaranteed issue, which means no medical questions or tests are required to enroll in this coverage.
What types of accidents and injuries am I covered for?
Once you’re enrolled in this coverage, you may qualify to receive benefits for items such as those listed below, as long as they are a result of a covered accident. Benefit types and amounts are determined by the type of plan selected, the circumstances of your accident and the care you receive. You may be required to seek care for your injury within a set amount of time. Note that there are some variations by state. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.
*This option may not be included. Please review your certificate of coverage for details.
Is there anything I’m not covered for after I enroll*?
To keep your rates affordable, benefits are not payable for any loss caused or contributed to by any of the following:
*Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.
This is a summary of benefits only. Please review your enrollment materials and any other applicable brochures prior to enrolling in coverage. 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, a member of the Voya® family of companies. Policy Form #RL-ACC2-POL-12 or #RL-ACC3-POL-16. Form numbers, provisions and availability may vary by state.