Voluntary Benefits

What if I get a serious illness?

Optional cash benefits for qualifying events, separate from medical coverage.

Critical Illness Basics

Supplements your health plan with extra coverage for serious conditions.
Covers cancer, stroke, heart attacks and more.
Benefits are paid quickly and directly.
See your benefit document for a full list of conditions covered.

Watch the video

Benefit Basics: Critical Illness Insurance (English)

Who to call

Voya · Accidental injury, critical illness and hospital indemnity

(877) 236-7564

claimscenter.voya.com

Voya · (877) 236-7564 · claims: claimscenter.voya.com

What it does

Pays a lump sum for a covered disease or condition diagnosed on or after the coverage effective date. You choose how to use the benefit, including nonmedical household expenses.

Covered conditions

Examples include cancer, heart attack, stroke and major organ failure. The benefit schedule pays 100% of the elected benefit for these conditions and 25% for coronary artery bypass, subject to policy definitions and limitations.

Review or ask about a claim

1
Review the covered-event definitions and effective date in the policy.
2
Contact Voya for accidental injury, critical illness and hospital indemnity: 877-236-7564.
3
Confirm the election and claims process with the provider or HR.

Next step

Review covered events, effective dates and cost before purchasing.

Before you decide

This is a limited benefit policy, not health insurance. It does not satisfy the Affordable Care Act minimum-essential-coverage requirement.

Frequently asked questions

What does Critical Illness Insurance cover?

It pays a benefit for covered conditions such as cancer, heart attack, stroke and major organ transplant. The benefit document lists the covered conditions and payment percentages.

How many times can a benefit be paid?

The number of payments for each covered condition is unlimited, except skin cancer. The certificate of coverage explains the conditions, exclusions and limitations.

Are my children eligible for coverage?

Eligible insured children can receive a lump-sum benefit for each covered condition, up to 100% of their benefit amount. The children’s benefit amount is 50% of the employee benefit amount; see the certificate for covered conditions.