Accident Insurance

(A limited benefit policy)

When people suffer an accident or injury, the bills add up - and may include ambulance or emergency room care, follow-up care and more. Our Accident Insurance products can help offset some of the costs associated with an injury or accident and can allow portable,1 ongoing coverage. Employees are paid a flat benefit amount based on the policy's benefit schedule.

Benefits may be provided for Common Injuries (including fractures and dislocations), Initial Care, Accident Hospital Care, Follow-Up Care, Accidental Death & Dismemberment, and catastrophic accidents.

Optional Riders2 include:

Compass Accident Insurance

  • Accidental Death & Dismemberment (AD&D) Rider
  • Catastrophic Accident Rider
  • Off Job Accident Disability Income Rider
  • Sickness Hospital Confinement Rider
  • Wellness Benefit Rider

The Accidental Death & Dismemberment (AD&D) Rider provides a benefit for accidental death (including common carrier) or accidental dismemberment. The Catastrophic Accident Rider pays an extra benefit if the effects from certain covered losses persist for at least 365 days. The Off Job Accident Disability Income Rider pays a monthly disability income benefit for covered accidents that occur off the job. Our Sickness Hospital Confinement Rider pays a daily benefit for hospital confinement because of a covered sickness. The Wellness Benefit Rider pays an annual benefit for health screening tests.

Accident Insurance (non-Compass)

  • Off Job Accident Disability Income Rider
  • Sickness Hospital Confinement Rider
  • Wellness Benefit Rider

The Off Job Accident Disability Income Rider pays a monthly disability income benefit for covered accidents that occur off the job. Our Sickness Hospital Confinement Rider pays a daily benefit for hospital confinement because of a covered sickness. The Wellness Benefit Rider pays an annual benefit for health screening tests.

1 Portability may vary by state
2 Rider availability may vary by product and state

Voya™ Employee Benefits insurance products and services in the U.S. are provided by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya™ family of companies. Product availability and specific provisions may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.