Motor vehicle and other unexpected accidents cause 35 million trips* to the emergency room each year—costing on average $2,032 per visit.** Your major medical insurance will help with many of your expenses, but wouldn’t you feel better knowing you’ll have extra help with the out of pocket expenses you may also experience?
Accident insurance pays you benefits for specific injuries and events resulting from a covered accident. The amount paid depends on the type of injury and care received. Features of this insurance include:
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.
*National Hospital Ambulatory Medical Care Survey, 2018, cdc.gov/nchs/fastats/emergency-department.htm
**‘Avoidable’ ER Visits Fuel Health Care Costs, July 22, 2019, usnews.com/news/health-news/articles/2019-07-22/avoidable-er-visits-fuel-us-health-care-costs
Low Plan Monthly Rates |
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Employee |
Employee and Spouse |
Employee and Children |
Family |
$3.08 |
$6.15 |
$6.61 |
$9.68 |
High Plan Monthly Rates |
|||
Employee |
Employee and Spouse |
Employee and Children |
Family |
$6.32 |
$12.65 |
$13.59 |
$19.92 |
These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
How can this help me?
When an accident does occur, the last thing on your mind is the potential financial impact.
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 expenses, such as copays, deductibles, or even groceries or child care expense? 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 insurance coverage that pays you a benefit regardless of any other insurance you have? Accident insurance does just that, providing benefits for specific injuries and events that result from a covered accident.
Who is eligible?
You, your spouse and eligible children qualify for this coverage.
*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.
When can I enroll?
What if my employment status changes?
Will my rates increase as I get older or if I file a claim?
Will I have to take a medical exam to get this coverage?
What types of accidents and injuries am I covered for?
Once you’re enrolled in this coverage, you may qualify to receive benefits for items such as those listed below, as long as they are a result of a covered accident. Benefit types and amounts are determined by the type of plan selected, the circumstances of your accident and the care you receive. You may be required to seek care for your injury within a set amount of time. Note that there are some variations by state. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.
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1Laceration benefits are a total of all lacerations per accident. Payable once per covered accident. If your injury qualifies as both a laceration and puncture wound, only one benefit in the higher amount will be payable.
2Complete separated joint that does not require a surgical repair. If you receive more than one dislocation in the same covered accident, a benefit is payable for all dislocations. However, the benefit amount will be no more than two times the benefit amount for the joint involved which pays the highest benefit amount. Other limitations and maximums may apply.
3Completely separated joint that requires surgical repair. If you receive more than one dislocation in the same covered accident, a benefit is payable for all dislocations. However, the benefit amount will be no more than two times the benefit amount for the joint involved which pays the highest benefit amount. Other limitations and maximums may apply.
4Fracture that does not require a surgical repair. If you receive more than one fracture in a covered accident, a benefit is payable for all fractures. However, the benefit will be no more than two times the benefit amount listed for the bone which pays the highest benefit amount.
5Fracture that does require surgical repair. If the doctor diagnoses the fracture as a chip fracture, the benefit will be reduced to a percentage of what would have been paid for a Non-Surgical Repair Fracture of the same bone. If you receive more than one fracture in a covered accident, a benefit is payable for all fractures. However, the benefit will be no more than 2x the benefit amount listed for the bone with pays the highest benefit amount.
Exclusions and Limitations
Standard exclusions for the Certificate, Spouse Accident Insurance, and Children’s Accident Insurance are listed below. (These may vary by state.) For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.
Benefits are not payable for any loss caused in whole or directly by any of the following*:
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. 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.
ACC2.3 Only
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