Accident Insurance | Voya

Accident Insurance | Voya
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Accident Insurance

Can help ease the financial impact of a covered accident.

 

NOTE: When you enroll, you are enrolling for the full plan year and must remain in the plan until the next annual enrollment period or until you have a qualified life event.

Enroll
Take a look at our FAQ section to answer any questions you may have.

 

Take a look at our FAQ section to answer any questions you may have.

 

Take a look at our FAQ section to answer any questions you may have.

 

How It Works

Number one Enroll now icon

You enroll in Accident Insurance

Number two Ambulance icon

After it's in effect, you are in a covered accident that results in specific treatment or injuries

Number three Giving money icon

You file a claim and receive an eligible benefit payment

Number four moneybag icon

Use your money however you want

Shown as an example only. Actual results may vary.

Here's what you need to know

Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident. See the product brochure, certificate of coverage and any applicable riders for a complete list of covered injuries and events, along with complete provisions, exclusions and limitations.

No one plans to be injured in an accident – they always happen without warning. You can, however, be prepared for the unexpected expenses associated with an accident by enrolling in Accident Insurance. Once you’re enrolled, you’ll be better prepared with an added cushion of financial security that’s specifically designed to help take the sting from your accident-related bills. 

 

  • Pays a benefit directly to you to use however you want
  • The payment is made directly to you
  • It provides benefits that can help you pay for out-of-pocket medical expenses you may experience after a covered accident
  • In addition to medical care, you may use it to pay for things like childcare, lodging, or over-the-counter medication

 

You can collect this benefit in addition to other coverage you have, including your employer’s major medical plan, any other type of medical coverage, disability insurance, or other benefits you may be eligible to collect. However, it is NOT health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Healing from an accidental injury can be costly to your budget. Accidents may have unexpected out-of-pocket costs that take you by surprise. The list includes deductibles, copays, and any expenses that aren't covered at all.

 

You may use your Accident Insurance payment any way you choose. It’s 100% your call how to spend the money you receive, without limitations or approvals from your major medical insurance. You can use it to help pay for out-of-pocket medical expenses or non-medical expenses – anything that becomes a financial concern if you lose income while you’re out of work.

 

Accident Insurance can help minimize the financial impact of an accident.

These are the periods when you are eligible to enroll for Accident Insurance:

  • Within your new hire enrollment period 
  • If you have a qualifying life event (you get married, have a baby, etc.)
  • During your employer’s annual enrollment 

 

Check with your employer’s human resources/benefits team for specifics about these timeframes.

 

Keep in mind: Accident Insurance is guaranteed issue coverage meaning you do not need to answer health questions in order to enroll. Certain riders may include pre-existing condition limitations.

Contact Our Team

1-877-345-2232

M-F 9a-6p ET

 

Email

employerbenefitsinquiries.service@mercer.com

Frequently Asked Questions

 
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  • Who is the provider?

    Voya Financial

     

    Voya Financial, Inc. (NYSE: Voya), is a leading health, wealth and investment company offering products, solutions and technologies that help its individual, workplace and institutional clients become well planned, well invested and well protected.

     

    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.

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  • When is a benefit paid under the plan?
    Once your insurance is effective, you’ll receive benefits for a covered accident. These benefits vary by state and may have other limitations and exclusions that may affect what’s payable. This plan provides protection for covered events experienced while off the job only. See your disclosure statement or outline of coverage/disclosure document for full details on your coverage.
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  • Who in my family is eligible for this program?

    Members of your family who are considered eligible to enroll for this insurance include:

    • You – if you are an active employee
    • Your legal spouse
    • Your eligible dependent children

     

    You must be enrolled in coverage for members of your family to also enroll.  

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  • How much does this insurance cost?

    Please refer to the enrollment materials or contact your employer for more information about rates.
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  • Do I have to answer health questions or take a medical exam?
    No, you don’t. Your Accident Insurance is guaranteed issue, which means no medical questions or tests are required to enroll in this coverage. Certain riders may have pre-existing condition limitations.
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  • What if my employment status changes?

    Good news! If you leave or retire from your current employer, you can continue your Accident Insurance without interruption (subject to applicable law and the policy’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 
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  • When would my coverage start?

    Coverage is effective on the 1st of the month after coverage is approved by Voya.
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  • Am I really free to use the payment any way I choose?

    Yes, you are! There are no restrictions or requirements about how you can use your accident cash benefit. Accidents aren’t something you can plan for – but you can be prepared with extra cash when one catches you off guard. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses.

Are you ready To Enroll?

Act now to elect Accident Insurance to help offset expenses that may not be covered by other insurance.
Enroll
Once enrolled, you will receive a coverage summary notice from Voya in the mail that will contain helpful information about the products you enrolled in, as well as information on how to file a claim at www.voya.com/claims. 

Do You Need Help?

Our team is ready

M-F 9a-6p ET

Phone Number: 1-877-345-2232

  • Legal Disclaimers

    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. Accident Insurance Policy Form #RL-ACC3-POL-16; Certificate Form #RL-ACC3-CERT-2-23; and Rider Forms: Spouse Accident Rider Form #RL-ACC3-SPR2-23, Children's Accident Rider Form #RL-ACC3-CHR2-23, Wellness Benefit Rider Form #RL-ACC3- WELL2-23, Accidental Death & Dismemberment (AD&D) Rider Form #RL-ACC3-ADR2-23, Catastrophic Accident Rider Form #RL-ACC3- CAR2-23, Off Job Accident Disability Income Rider form #RL-ACC3-DIR-16, Sickness Hospital Confinement Rider Form #RL-ACC3-HCR-16, Waiver of Premium Rider form #RL-ACC3-WOP-16, Absence from Employment Premium Waiver Rider form #RL-ACC3-AEPW-23; Continuation of Insurance Rider form #RL-ACC3-CNT2-23.Form numbers, provisions and availability may vary by state and employer's plan.
     

    CN4529758_0527

    4424200_051525

  • Mercer's Role & Compensation
    View details of Mercer's disclosure of compensation