Group Accident Insurance

Protect Yourself And Your Loved Ones Against Unforeseen Costs Of An Accident

Accident insurance will provide you with a way to strengthen financial security. An accident could easily leave you financially strained. While it’s common to feel that health plans and disability insurance have you safely covered for accidents, there can be significant gaps in their protection. Accident Insurance provides a lump sum benefit based on the type of injury (or covered incident) you sustain or the type of treatment you need. Review full plan information below.

Contact Information

Carrier: Voya

Website: voya.com

Phone: 888-238-4840

Eligibility: All full-time team members (>30 hours)

EventBenefit
Accident hospital care
Surgery open abdominal, thoracic$1,200
Hospital admission$1,250
Hospital confinement per day, up to 365 days$375
Critical care unit confinement per day, up to 15 days$600
Coma duration of 14 or more days$17,000
Transportation per trip, up to 3 per accident$750
Accident care
Initial doctor visit$90
Emergency room treatment$225
Ground ambulance$360
Air ambulance$1,500
X-ray$45
Common injuries
Burns second degree, at least 36% of the body$1,250
Burns 3rd degree, at least 9 but less than 35 square inches of the body$7,500
Burns 3rd degree, 35 or more square inches of the body$15,000
FracturesClosed/open reduction
Hip$3,000/$6,000
Leg$2,500/$5,000
Vertebral body$3,360/$6,720

See SPD, SBC, brochures, flyers and/or policy contract for full detail. Final rates can fluctuate a few cents on your paycheck. The benefit highlights and summaries are not an official outline of coverage.

Wellness Benefit

This provides an annual benefit payment if you complete a health screening test. You may
only receive a benefit payment once per year, even if you complete multiple health screening tests.

  • Examples of health screening tests include but are not limited to: Pap test, serum cholesterol test for HDL
    and LDL levels, mammography, colonoscopy, and stress test on bicycle or treadmill.
  • The annual benefit amount is $50 for completing a health screening test.
  • If your spouse and/or children are/is covered for Accident Insurance, they are also covered for the
    Wellness Benefit. Your spouse’s benefit amount is also $50. The benefit for child coverage is 50% of your
    benefit amount per child with an annual maximum of $100 for all children.

Accidental Death and Dismemberment (AD&D) coverage

If you are severely injured or die as a result of a covered accident, an AD&D benefit may be payable to you or your beneficiary.

  • If your spouse and/or children are/is covered for Accident Insurance, their coverage includes AD&D.

 

Accidental Death and Dismemberment (AD&D) coverageBenefit
Accidental Death Benefits Common Carrier
Employee$100,000
Spouse$50,000
Children$25,000
Accidental Death Benefits Other Accident
Employee$50,000
Spouse$20,000
Children$10,000
Accidental Dismemberment Benefits
Loss of both hand or both feet or sight in both eyes$28,000
Loss of one hand or one foot AND the sight of one eye$22,000
Loss of one hand AND one foot$22,000
Loss of one hand OR one foot$12,500
Loss of two or more fingers or toes$1,800
Loss of one finger or one toe$1,250
Catastrophic Accident Benefits
Employee$120,000
Spouse$60,000
Children$30,000
Home Modification Benefit$5,000
Vehicle Modification Benefit$5,000

 

 

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