Accident lnsurance

Compass Accident Insurance can help employees offset the costs associated with a covered accident. It provides fixed benefits for events tied to that accident. This is a limited benefit policy and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. The benefits can be used for any purpose the company chooses, including things like health insurance deductibles, copayments, child-care or home health care.


Plan Type: Supplemental
Group Number: 70225-1
Phone: 888.238.4840
Eligibility: Active employees working 30 or more hours per week
Effective Date: 1st of the month after 30 days of continuous employment

Compass Accident Insurance Terms (may vary by state)

The following section provides a brief overview of Accident Insurance riders. Benefit provisions may vary by state and riders may not beavailable in all states. Please ask your Voya Employee Benefits Sales Representative for more information.  

Compass Accident Riders

Spouse Accident Rider The Spouse Accident Rider provides accident insurance for an eligible spouse. The employee must have coverage in order to include the Spouse Accident Rider.

Children’s Accident Rider The Children’s Accident Rider provides coverage for an employee’s eligible children from birth to termination age. One rider covers all eligible children. The employee must have coverage in order to include the Children’s Accident Rider.  

Wellness Benefit Rider The Wellness Benefit Rider pays a benefit when a covered person has a health screening test

Accidental Death and Dismemberment (AD&D) Rider The AD&D Rider covers all who are insured under the certificate and spouse and children’s riders. See the schedule to view the plan options and benefit levels provided.

Do I have to be enrolled in Medical insurance in order to participate in Accident Insurance?No – you do not have to be enrolled in the plan to purchase this benefit
Can I only cover my spouse and/or child(ren)?No, in order for you to cover your spouse and/or child(ren), you must also cover yourself
Is this coverage portable?Yes, but rates may vary if you do elect to do so


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It is important that you take steps to educate yourself on all employee benefit plan options and rewards. It is your responsibility to complete your benefits election in Ultipro, no later than 30 days from eligibility.