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.

Some families may not budget for the costs associated with accidents. When an accident does occur, the last thing on your mind is the charges accumulating:

• Ground ambulance
• Emergency room treatment
• Medical equipment
• Surgery and general anesthesia
• Stitches
• X-rays
• CT scan

 

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 for your covered accident and injuries regardless of any other insurance you have? Accident insurance does just that, providing benefits to cover the costs associated with covered accidents. 

Available to U.S. full-time benefits-eligible Associates who are not covered by a collective bargaining agreement. Associates must be working 30+ hours per week to enroll.

If you have coverage on yourself, your spouse will be covered for the same Accident benefits as you. “Spouse” includes domestic partners or civil union partners as defined by your employer’s plan.

If you have coverage on yourself, your eligible children can be covered up to age 26. Your children will be covered for the same Accident benefits as you.

As a new hire, you can enroll within your employer’s benefits eligibility guidelines. Outside of your new hire period, enrollment is limited to the company’s annual enrollment. 

When you leave or retire from your employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. You will receive information to continue coverage directly with the insurance carrier.

No! Your Accident insurance is guaranteed issue, which means no medical questions or tests are required to enroll in this coverage. 

The following list is a summary of the benefits provided by Accident Insurance. You may be required to seek care for your injury within a set amount of time. Note that there may be some variations by state. For a list of standard exclusions and limitations, go to the end of this document. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

Surgery Blood, plasma, platelets Hospital admission Rehabilitation facility* Critical care unit confinement* Hospital confinement Coma Transportation and lodging Medical equipment Physical or occupational therapy* Speech therapy* Major diagnostic exam* X-ray* Prosthetic device Ground or air ambulance* Emergency room treatment* Urgent care facility treatment* Initial doctor visit* Follow-up doctor visit* Burns or skin grafts Emergency dental work Eye injury Torn knee cartilage Lacerations/sutures

Ruptured disk surgical repair Tendon, ligament or rotator cuff surgical repair Concussion Paralysis Hip joint, knee, ankle, foot bone(s) or toe dislocation Shoulder, elbow, wrist, hand bone(s) or finger dislocation Lower jaw dislocation Collarbone dislocation or fracture Partial dislocations Hip, leg, kneecap, ankle, foot or toe fracture Bone of face or jaw fracture Shoulder blade, arm or finger fracture Vertebral fracture Pelvis fracture Rib fracture Skull fracture Sternum fracture Chip fractures

*Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.

Exclusions for the Certificate, Spouse Accident Insurance, and Children’s Accident Insurance are listed below. (These may vary by state.)

• Participation or attempt to participate in a felony or illegal activity.
• An accident while the covered person is operating a motorized vehicle while intoxicated. Intoxication means the covered person’s blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.
• Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane.
• War or any act of war, whether declared or undeclared, other than acts of terrorism.
• Loss sustained while on active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.
• Alcoholism, drug abuse, or misuse of alcohol or taking of drugs, other than under the direction of a doctor.
• Riding in or driving any motor-driven vehicle in a race, stunt show or speed test.
• Operating, or training to operate, or service as a crew member of, or jumping, parachuting or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded.
• Engaging in hang-gliding, bungee jumping, parachuting, sail gliding, parasailing, parakiting, kite surfing or any similar activities.
• Practicing for, or participating in, any semiprofessional or professional competitive athletic contests for which any type of compensation or remuneration is received.
• Any sickness or declining process caused by a sickness.

*Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.