Accident Insurance

What is Accident Insurance?

Accident insurance pays you benefits for specific events resulting from a covered accident. The amount paid depends on the type of accident and care received. Accident insurance is a limited benefit policy, it is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

How Can Accident Insurance Help?

Below are a few examples of how your accident insurance benefits could be used:

• Medical expenses, such as deductibles and copays
• Home healthcare costs
• Lost time from work
• Everyday expenses like utilities and groceries

How Much Does Accident Insurance Cost?

All employees pay the same rate, no matter their age.

Who is Eligible for Accident Insurance?

• You—all full-time active employees working.
• Your spouse—under age 70. Coverage is available only if Employee coverage is elected.
• Your child(ren)—to age 26. Coverage is available only if Employee coverage is elected.

How to Receive Reimbursement for a Claim?

Go to VOYA’s Claim Forms Library, to access required claim forms. Select Accident Insurance or Wellness/Health Screening Benefit located on the left side of the page.

Wellness Benefit Claim Reimbursement Forms

For Wellness Benefit Claim Reimbursement choose the following form:

• Claim Form for Employee: Wellness Benefit Claim (Form #171872)

Accident Forms

For Accident choose the following forms:

• Claim Form for Employee: Accident Insurance Claim—Employee/Member (Form #171874)
• Claim Form for Physician: Physician’s Disability Statement for Off-Job Accident Disability Income Rider Claim (Form #171873)

Additional Resources