Voluntary Benefits
Voluntary benefits provide an added layer of financial protection for you and your family. These benefits will help cover any extra out-of-pocket expenses if you suffer an unexpected, serious illness or qualifying accident.
Accident Insurance
Injuries occurring off the job can be protected with Voya Accident Insurance. This plan is designed to pay cash directly to you, the team member. This additional cash support can be used to help pay any out-of-pocket expenses related to the injury. Payments are made tax free, to be used at your direction.
Wellness Benefit: $75 per insured team member or Covered Spouse per year for completing routine wellness screenings. Child(ren)’s wellness benefit is $75 per child.
View examples of covered benefits and coverage amounts
| Some Covered Benefits | Benefit Amount |
|---|---|
| Hospital Admission | $1,550 |
| Daily Hospital Confinement (up to 365 days) | $275 |
| Daily ICU Confinement (up to 15 days) | $450 |
| Burns | Up to $20,000 |
| Ambulance (ground/air) | $400/$2,000 |
| Torn Knee Cartilage | $900 |
View example scenario
| Example: Broken Ankle | Benefit Amount |
|---|---|
| Emergency Room with X-Ray | $315 |
| Broken Ankle, Closed Reduction (no surgery) | $2,250 |
| Physical Therapy (6 sessions) | $360 |
| Physician Follow-Up (per visit) | $100 |
| Total Dollars Payable to Employee | $3,025 |
View plan costs
| Accident Insurance Plan | 24 Bi-Weekly Deductions |
|---|---|
| Single | $3.73 |
| + Spouse* | $6.50 |
| + Children* | $7.72 |
| + Family* | $10.49 |
* Includes domestic partner/domestic partner’s children. Family must include you, your spouse/domestic partner and at least one child.
Critical Illness Insurance
There can be a lot of expenses associated with a critical illness and a major medical plan may not cover them all. Critical Illness coverage with Voya pays cash directly to you, the team member, upon a diagnosis listed in the table shown below.
You have the option to select the tiered coverage amount of your choice with certain pre-existing condition limitations. The policy will cover team members for diagnosed conditions on or after coverage effective date. Team members can elect up to $30,000 in guaranteed issue coverage. Spouses can elect 50% of the team member’s coverage amount. Child(ren) coverage is automatically included at 50% of the team member’s benefit amount. A team member must elect coverage for dependents to elect coverage as well.
Wellness Benefit: $75 per insured team member or Covered Spouse per year for completing routine wellness screenings. Child(ren)’s wellness benefit is $75 per child.
Critical Illness Explore Your Benefits
Critical Illness Insurance with an Infectious Disease Benefit
Below is an example of how the Critical Illness Plan works.
Donna’s life is turned upside down when she suffered a heart attack which was followed by a stroke only a month later. Not only did she miss work, but so did her husband to help her during her recovery. Their income took a hit and bills piled up. Donna had enrolled in Voya’s Critical Illness plan with a $30,000 Benefit Amount per diagnosis. She received a total benefit payment of $60,000 in her family’s greatest time of need.
| Amount Paid to Donna | |
|---|---|
| Heart Attack | $30,000 |
| Stroke | $30,000 |
| Total Direct Benefit Payment to Donna | $60,000 |
Hospital Indemnity Insurance
Hospital Indemnity insurance with Voya is designed to provide financial assistance for an event that results in a hospital confinement (stay), to supplement your current coverage. Team members can use the benefit shown to the right, to meet any out-of-pocket expenses and extra bills that can occur. Benefits are paid directly to you, regardless of the actual cost of treatment. ECU Health team members will receive a 50% additional benefit if treatment is sought at a ECU Health Facility.
Wellness Benefit: $75 per insured team member or Covered Spouse per year for completing routine wellness screenings. Child(ren)’s wellness benefit is $75 per child.
View covered benefits
| Covered Benefits | Benefit Amount |
|---|---|
| Hospital Admission Benefit | $1,000 |
| ICU Admission Benefit (pays in addition to Hospital Admission) | $1,000 |
| Daily Hospital Confinement (up to 30 days per confinement) | $200 |
| Daily ICU Confinement (up to 15 days per confinement) | $400 |
View plan costs
| Hospital Indemnity Plan | 24 Bi-Weekly Deductions |
|---|---|
| Single | $12.33 |
| + Spouse* | $21.29 |
| + Children* | $20.92 |
| + Family* | $29.88 |
* Includes domestic partner/domestic partner’s children. Family must include you, your spouse/domestic partner and at least one child.