Accident Insurance

Accident Insurance

Overview

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:

 

  • Covers specific injuries and events resulting from a covered accident.
  • Premiums are paid through convenient payroll deductions.
  • Flexibility means you can use the benefit money for any purpose you like.
  • Coverage is available for your spouse/domestic partner under age 70 and children up to age 26 if employee coverage is provided or elected. Age requirements may vary by state.
  • Provided by a leading accident insurance provider: Reliastar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies.
  • Guaranteed issue coverage.

 

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.

See the chart below for the premium amounts.

 

The cost provided below includes Accident Insurance premium and a fee for Voya Travel Assistance.

 

Rate Chart

 

Visit the Voya Employee Benefits Resource Center by clicking here.

 

*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

Enroll Online

As a new hire, you can enroll within 30 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.
Contact Us

 Phone:
1-877-236-7564
 Hours
 M-F 8a-8p ET
 Email
employerbenefitsinquiries.service@mercer.com

How It Works

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    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.
  • 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.  

     

    • All active employees (a minimum 20 hours working per week requirement may be required).
    • Your spouse*— under age 70. Coverage is available only if employee coverage is elected.
    • Your children— to age 26. Coverage is available only if employee coverage is elected.

     

    *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?

    As a new hire, you can enroll within your employer’s benefits eligibility guidelines. Outside of your new hire or a new life event period, enrollment is limited to the company’s annual enrollment.  Please contact your employer for further details.    
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you will be billed directly by the insurance carrier. 
  • Will my rates increase as I get older or if I file a claim?

    No, your rates will not increase due to age, health or individual claims.
  • Will I have to take a medical exam to get this coverage?

    No! Your Accident insurance is guaranteed issue, which means no medical questions or tests are required to enroll in this coverage.
    Pre-existing condition limitations may apply.
  • 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.

    • Surgery
    • Blood, plasma, platelets
    • Hospital admission
    • Rehabilitation facility
    • Critical care unit confinement
    • Hospital confinement
    • Coma
    • Transportation and lodging
    • Medical equipment
    • Physical or occupational therapy
    • Speech therapy
    • Major diagnostic exam
    • X-ray
    • Outpatient surgery
    • Prosthetic device
    • Ground or air transportation
    • Emergency room treatment
    • Urgent care facility treatment
    • Initial doctor visit
    • Follow-up doctor visit
    • Chiropractic treatment
    • Burns or skin grafts
    • Emergency dental work
    • Eye injury
    • Torn knee cartilage
    • Lacerations/sutures1
    • Ruptured disk surgical repair
    • Tendon, ligament or rotator cuff surgical repair
    • Concussion
    • Paralysis
    • Hip joint, knee, ankle, foot bone(s) or toe dislocation2
    • Shoulder, elbow, wrist, hand bone(s) or finger dislocation2
    • Lower jaw dislocation2
    • Collarbone dislocation or fracture2
    • Partial dislocations2
    • Hip, leg, kneecap, ankle, foot or toe fracture3
    • Bone of face or jaw fracture3
    • Shoulder blade, arm or finger fracture3
    • Vertebral fracture3
    • Pelvis fracture3
    • Rib fracture3
    • Skull fracture3
    • Sternum fracture3
    • Chip fractures3

    1Laceration benefits are a total of all lacerations per accident.
    2Closed reduction of dislocation = Non-surgical reduction of a completely separated joint. Open reduction of dislocation = Surgical reduction of a completely separated joint.
    3Closed reduction of fracture = Non-surgical. Open reduction of fracture = Surgical.

  • Is there anything I’m not covered for after I enroll?

    Exclusions for the Certificate, Spouse Accident Insurance, and Children’s Accident Insurance and AD&D are listed below. (These may vary by state.)

     

    • Participation or attempt to participate in a felony or illegal activity.
    • An accident while the covered person is operating a motorized vehicle while intoxicated. Intoxication means the covered person’s blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.
    • 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 sustained while on 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.
    • 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, if your employer elects to exclude work-related sicknesses or accidents under the policy.


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

  • What are pre-exisiting conditions and are they covered?

    A pre-existing condition means a sickness which, within the 12-month period prior to the Sickness Hospital Confinement coverage effective date or any increase in coverage for each covered person, resulted in the covered person receiving medical treatment, consultation, care or services (including diagnostic measures). For the first 12 months following the Sickness Hospital Confinement coverage effective date or any increase in coverage for each covered person, benefits are not payable for any hospital confinement resulting from a pre-existing condition. If the hospital confinement begins more than 12 months after the coverage effective date or an increase in coverage for the covered person, benefits are payable for any eligible hospital confinement even if resulting from a pre-existing condition.

     

    *Definition and limitations/exclusions may vary by state.

  • Exclusions and Limitations

    Catastrophic Accident option 1: Exclusions and limitations for Catastrophic Accident coverage (may vary by state) are the same as the exclusions in the Certificate, plus the catastrophic accident benefit reduces to 50% at age 65 and to 25% of the initial benefit amount at age 70.

    Off Job Accident Disability Income: Exclusions and limitations for Off Job Accident Disability Income coverage (may vary by state) are the same as the exclusions in the Certificate, plus: No monthly benefit is payable for disability caused in whole or directly by any work for pay, profit or gain. If the employee becomes disabled outside the United States or territories of the United States, the monthly benefit will be limited to a maximum of two months while the employee is outside the country. To continue to receive any additional benefit payments due, the employee must reside in the United States or a territory of the United States for the duration of that benefit period.

    Sickness Hospital Confinement: Exclusions and limitations for Sickness Hospital Confinement coverage (may vary by state) are listed below.
    Benefits are not payable if any of the following are true:
    -Services are received in an emergency room or for outpatient treatment or for a hospital stay for which there is no charge for room and board.
    -Confinement is the result of alcoholism or drug abuse.
    -Confinement is the result of dental care or elective procedures.
    -Confinement is due to psychiatric or psychological conditions.
    -Confinement is due to birth, if the covered person is a newborn child, unless the newborn has an eligible sickness.

 

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-16; and Rider Forms: Spouse Accident Rider Form #RL-ACC3-SPR-16, Children's Accident Rider Form #RL-ACC3-CHR-16, Wellness Benefit Rider Form #RL-ACC3-WELL-16, Accidental Death & Dismemberment (AD&D) Rider Form #RL-ACC3-ADR-16, Catastrophic Accident Rider Form #RL-ACC3-CAR-16, 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, Continuation of Insurance Rider form #RL-ACC3-CNT-16. Form numbers, provisions and availability may vary by state.

1953590 – 02152022

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.