Critical Illness

Critical Illness Insurance: Voya LSS Critical Illness Insurance

Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered disease or condition on or after your coverage effective date. You can use this money however you like. For example, you can use it to help pay for expenses not covered by your medical plan, lost wages, childcare, travel, home health care costs or any of your regular household expenses. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

 If you enroll in Critical Illness Insurance coverage, you have access to the Wellness Benefit, which provides a yearly benefit if you complete a health screening test, whether or not there were any out-of-pocket costs. The Wellness Benefit is designed to help you maintain a healthy lifestyle with tests that screen for a wide range of potential illnesses and diseases.  For more info, see Voya - Getting Your Voya Wellness Benefits. (Click here for the Critical Illness Benefits Certificate of Coverage.)

Filing claims: You can file claims online at www.voya.com/claims.  For more info. on filing claims, please review the resource provided here: Voya - Filing Claims.