Voluntary Benefits

Life, Accident, Critical Illness, Hospital Indemnity, Pet Insurance and Identity Theft Protection coverage are available to you, your spouse, and your dependent children. However, employees must have coverage in order for their spouse and children to obtain coverage. Voluntary Benefits are just that, voluntary. The costs for voluntary benefits are 100% paid by the employee.

Supplemental Life and AD&D Insurance

In addition to the employer paid Basic Life and AD&D coverage, you have the option to purchase additional voluntary life insurance to cover any gaps in your existing coverage. Your election, however, could be subject to medical questions and evidence of insurability.

If you enroll in employee supplemental life insurance when you are first eligible, you may elect to increase your coverage by $20,000 at a subsequent scheduled annual enrollment without providing evidence of insurability.

PLMarketing Life Brochure

Voluntary Accident Insurance

You can’t predict when an accident might happen, but with Voya accident insurance, you’ll have a cash benefit to help you take care of any additional expenses. Benefits paid directly to you:

If you have a covered accidental injury, we’ll send you a check. You decide how to spend it.
Cash benefits cover a range of injury expenses/treatments, including emergency room visits, surgeries, fractures, and more.
Coverage provided for multiple covered injuries from a single accident.
Benefits are focused on the family, safety, and accident prevention.
No exclusions for pre-existing injuries.
No medical questions are required to receive coverage.

Voluntary Accident Insurance
Accident (dollar amounts / days)
Type of Plan	Off the job
Pre-Existing Condition Period	None
Accident Follow Up Treatment	$90 / 1
Accidental Death / Common Carrier	Employee: $40,000 / $85,000
Wellness Benefit	$50
Ambulance (Ground / Air)	$360 / $1,500
Emergency Treatment (ER / Urgent Care)	$225 / $225
Emergency Dental Work (Crown / Extraction)	$350 / $90
Fractures (Open / Closed)	$6,400 / $3,200
Hospital Admission (Hospital / ICU)	$1,250 / $1,250
Hospital Confinement	$275 / 365
Child Organized Sports Benefit	Additional 25%
Physical Therapy	$45 / 6

Accident Brochure

Wellness Benefit Voya for Accident and Critical Illness

Wellness Claims Checklist and FAQ

Watch: Accident Insurance

Voluntary Critical Illness Insurance

If a serious illness strikes, you don’t want to worry about paying your bills. That’s why Voya critical illness insurance provides a cash benefit to help with extra expenses. Benefits paid directly to you:

You can use your critical illness cash benefits however you wish, and you’ll receive it even if you get benefits from other insurance. Use your benefits to pay your deductibles or copays. Pay your mortgage,
car payments or other bills. It’s up to you.
Covered conditions include common critical illnesses such as heart attack, stroke, cancer, and major organ failure.
Each critical illness is covered separately — your cash benefits remain the same for each illness, even if
more than one critical illness occurs at the same time.
Benefits are focused on family needs and early detection of critical illnesses.
Rates are based on age and tobacco status.

Voluntary Critical Illness Insurance
Critical Illness Covered Conditions
Wellness Benefit	$50
Pre-Existing Condition Period	12 / 12
Cancer - Invasive / Non-Invasive	100% / 30%
Heart Attack	100%
Coronary Artery Bypass	25%
Stroke	100%
Major Organ Transplant	100%
Kidney (Renal) Failure	100%
Paralysis	100%
Coma	100%
AIDS	100%
Advanced COPD	100%
Childhood Conditions: (see summary for full list)	100%
Benefit Amount Increment	Employee: $10,000, $20,000, or $30,000 Spouse: $5,000, $10,000, or $15,000, not to exceed 100% of employee amount Child: $5,000, $10,000, or $15,000, not to exceed 50% of employee amount
Guarantee Issue	Employee: $30,000 Spouse: $15,000 Child: $15,000

Critical Illness Brochure

Wellness Benefit Voya for Accident and Critical Illness

Watch: Critical Illness Insurance

Voluntary Hospital Indemnity Insurance

We all know that an unexpected, or even planned stay in the hospital, can be expensive as you meet your deductible and out-of-pocket obligations under the medical plan. Voya Financial offers Hospital Indemnity Insurance that works in conjunction with your medical plan to provide financial protection by paying you a direct benefit due to a hospitalization. Features of the plan include:

Maternity hospitalizations
Admission Benefit – $1,000
Daily Confinement Benefit (hospital) – $100 per day, maximum of 30 days per calendar year
ICU – $200 per day, maximum of 30 days per calendar year.

Hospital Indemnity
Hospital Indemnity Coverage
Hospital Administration
Hospital	$1,000
Intensive Care	$1,000
Hospital Confinement
Hospital	$100 per day, up to 30 days
Intensive Care	$200 per day, up to 30 days
Emergency Treatment (ER / Urgent Care)	Not included
Wellness Benefit	Not included
HSA Compatibility	Yes
Pre-Existing Condition Period	None

PLMarketing Hospital Indemnity Brochure

Watch: Hospital Indemnity Coverage

Voluntary Pet Insurance

Pets have an important role in our lives. They are part of our families. We want to do everything to make sure they are safe and healthy. Pet parents spend more than $4,500 annually. Help protect against unplanned vet expenses by purchasing insurance through MetLife. This will be billed directly to employees, full-time and part-time employees eligible. Call 1-800 GET-Met8 or go to website www.metlife.com/getpetquote to get a quote.

What is Covered?

Accidental injuries, illnesses, exam fees, surgeries, medications, ultrasounds, hospital stays, X -rays, hip dysplasia, hereditary conditions, congenital conditions, chronic conditions.

Flexible Coverage

Levels of Coverage from $500 to unlimited
$0-$2,500 deductible options
Reimbursement percentages from 50%-90%

How much will my plan cost?

With MetLife, you have the power of choice, and coverage can be customized to best meet your and your pets’ needs. Every pet and pet parent are unique, so each pet’s premium will be unique based on the species, breed, age, and ZIP code, as well as the coverage amount you select.
Once the policy is effective, accident coverage begins at midnight and illness coverage begins after 14 days.

Additional Value

If you are claim free in the policy year, your deductible will lower by $25-$50.

MetLife Pet - Booklet

Watch: Pet Insurance

Voluntary Identity Theft Protection

Aura Identity & Fraud Protection helps protect from fraud and online threats with all features in one place and a consistent experience across web and an easy-to-use app.

Identity Theft Protection – Monitors personal info, accounts, and online reputation and sends alerts if we detect threats. Automatically requests removal of information found online to help keep it out of the hands of thieves and spammers.

Financial Fraud Protection – Monitors credit, financial accounts, and property titles and sends alerts if suspicious changes are detected.

Privacy & Device Protection – Shop, bank, and connect online more securely and privately with intelligent safety tools that help protect passwords, devices, and Wi-Fi connections.

Which Plan Should You Choose?

Consider your hobbies and lifestyles. Items only available through Protection Plus:

Social media monitoring
Gamertag monitoring
Social media privacy checkup

AI powered call and text screening
Credit Score Simulator
Unlimited # of devices

Protection and Protection Plus Plan Comparison

Voluntary Benefits