Helps you alleviate the expenses that comes with a covered critical illness.
To Enroll, Visit FMC Employee Self-Service (ESS)
You enroll in Critical Illness Insurance
On or after your coverage effective date, you are diagnosed with a covered critical illness
You file a claim and receive an eligible benefit payment
Use your money however you want
Who offers this coverage?
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.
Critical Illness 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.
When is a benefit paid under the plan?
Who in my family is eligible for this program?
Members of your family who are considered eligible to enroll for this insurance include:
You must be enrolled in coverage for members of your family to also enroll.
How much does coverage cost?
Are there any exclusions or limitations?
Do I have to answer health questions or take a medical exam?
What if my employment status changes?
Good news! If you leave or retire from your current employer, you can continue your Critical Illness 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. 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:
Ported coverage is subject to all the terms of the Policy and this Certificate.
When would my coverage start?
Am I really free to use the payment any way I choose?
To Enroll, Visit FMC Employee Self-Service (ESS)
Carrier Disclaimers
*The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.
This is a summary of benefits only. Please review your enrollment materials and any applicable brochures prior to enrolling in coverage. A complete description of benefits, limitations, exclusions and terminations 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 website and the group policy documents, the policy documents will govern. To keep coverage inforce, premiums are payable up to the date of coverage termination. Critical Illness Insurance is underwritten by ReliaStar Life Insurance Company, Minneapolis, MN, a member of the Voya® family of companies. Compass Critical Illness Policy Form #: RL-CI3-POL-12. Form numbers, provisions and availability may vary by state.
If this is for CI2 - the disclosure / forms are as follows:
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. Critical Illness Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy form #RL-CI4-POL-16; Certificate form #RL-CI4-CERT-16; Spouse Critical Illness Rider form #RL-CI4-SPR-16; Children's Critical Illness Rider form #RL-CI4-CHR-16; Wellness Benefit Rider form #RL-CI4-WELL-16; Waiver of Premium Rider form #RL-C14-WOP-16. Form numbers, provisions and availability may vary by state and employers plan.
1953590 – 02152022
Mercer's Role & Compensation