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.

Once your insurance is effective, you'll be eligible to receive benefits for specific injuries and treatments when they are the result of a covered accident.  To be eligible, the accident must happen outside of work.  You may be required to seek care for your injury within a set amount of time.  See the product brochure, certificate of coverage and any applicable riders for a list of covered injuries and treatments, along with benefit amounts and complete provisions, exclusions and limitations.

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.  

Please refer to the enrollment materials or contact your employer for more information about rates.

• Participation or attempt to participate in a felony or illegal activity.
• Operation of a motorized vehicle while intoxicated.
• 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 that occurs while on full-time 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.
• Elective surgery, except when required for appropriate care as a result of the covered person’s injury or sickness. 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.
• Work for pay, profit or gain.

 

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

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.  

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. Please see portability details below.

 

Portability means you have the option to continue your coverage after it would otherwise terminate, if certain conditions are met. You must elect portability before you reach age 70.

 

To continue your coverage, you must apply for portability and pay the first premium within 31 days of the date your coverage would otherwise terminate due to any of the following:

• You retire or terminate employment with the Employer, if coverage remains in effect under the Policy for other Insured Persons.
• The Policyholder terminates coverage under the Policy for all Insured Persons, and does not replace it with a similar insurance plan.
• You are no longer eligible for coverage under the Policy.

 

Ported coverage is subject to all the terms of the Policy and this Certificate.

Coverage is effective on the 1st of the month after coverage is issued by the insurance company.

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 receive a benefit to help you with the unexpected expenses you may experience. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses.