Insurance If You Suffer A Loss
NCFlex offers two Accidental Death and Dismemberment (AD&D) Plans that pay a benefit if an employee or their covered dependent dies or suffers certain disabling injuries as the result of a covered accident while insured under the Plan. The coverage is effective 24 hours a day, 365 days a year and includes accidents that occur on or off the job.
The Core AD&D Plan is offered at no cost to employees. The Voluntary AD&D Plan offers additional benefits and the option to cover a spouse or family.
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Coverage
The amount of insurance an employee purchases is called the principal sum. The maximum amount paid for losses from any one accident is 100% of the principal sum.
If an employee suffers any one of the losses listed in the chart, as the result of a covered accident, the loss will be deemed a covered loss and a benefit will be paid based on the percentage of the principal sum as listed.
If family coverage is elected on the Voluntary Plan, the principal sum for an employee's spouse is 50% of that of the employee. The principal sum for children is 10% of the employee's principal sum for each child.
If an employee and their spouse are both eligible state employees, both may participate but must choose to be covered as an employee rather than a dependent. An employee cannot be covered as both an employee and dependent. Similarly, children cannot be dually enrolled, so only one parent would be allowed to elect family coverage. In this case, the family coverage would apply to children only, since the spouse is already covered as an employee.
Employees of the University of North Carolina System are not eligible for this benefit.
| Accident | Percentage of Principal Sum |
|---|---|
| Life, loss of | 100% |
| Sight of both eyes, loss of | 100% |
| Speech and hearing of both ears, loss of | 100% |
| Both hands or both feet, loss of | 100% |
| One hand and one foot, loss of | 100% |
| Quadriplegia | 100% |
| Paralysis of three limbs | 85% |
| Paraplegia/hemiplegia | 75% |
| Paralysis of one limb | 50% |
| Either hand or foot, loss of | 50% |
| Sight of one eye, loss of | 50% |
| Speech or hearing of both ears, loss of | 50% |
| Hearing of one ear, loss of | 25% |
| Thumb and index finger of same hand, loss of | 25% |
Comparing Core & Voluntary Plans
Monthly Cost Based on Principal Sum
| Principal Sum | Cost for Employee |
|---|---|
| $10,000 | $0.00 |
| Principal Sum | Cost for Employee |
|---|---|
| $50,000 | $0.90 |
| $100,000 | $1.80 |
| $150,000 | $2.70 |
| $200,000 | $3.60 |
| $250,000 | $4.50 |
| $300,000 | $5.40 |
| $350,000 | $6.30 |
| $400,000 | $7.20 |
| $450,000 | $8.10 |
| $500,000 | $9.00 |
| Principal Sum | Cost for Employee |
|---|---|
| $50,000 | $1.30 |
| $100,000 | $2.60 |
| $150,000 | $3.90 |
| $200,000 | $5.20 |
| $250,000 | $6.50 |
| $300,000 | $7.80 |
| $350,000 | $9.10 |
| $400,000 | $10.40 |
| $450,000 | $11.70 |
| $500,000 | $13.00 |
Benefit Highlights
The Core AD&D Plan includes coverage and benefits for:
- Accidental Death & Dismemberment
- Paralysis, Quadriplegia, Paraplegia, Hemiplegia
- Voya Travel Assistance
For all details including specific exclusions and limitations, please refer to the Core AD&D Plan Certificate of Coverage.
The Voluntary AD&D Plan for employees only includes coverage and benefits for:
- Accidental Death & Dismemberment
- Paralysis, Quadriplegia, Paraplegia, Hemiplegia
- Voya Travel Assistance
- Rehabilitation Benefit
- Common Disaster Benefit
- Coma Benefit
- Accidental In-Home Indemnity
- Safe Driver Benefit
- Criminal Assault Benefit
- War Risk Benefit
- Burn Disfigurement
- Accidental HIV Benefit
- Custodial Care Benefit
- Therapeutic Counseling Benefit
- Adaptive Home & Vehicle Benefit
- Surgical Reattachment Benefit
- Portability
For all details including specific exclusions and limitations, please refer to the Voluntary AD&D Plan Certificate of Coverage. Note that benefits apply only if there has been a covered loss.
The Voluntary AD&D Plan for an employee and family includes coverage and benefits for:
- Accidental Death & Dismemberment
- Paralysis, Quadriplegia, Paraplegia, Hemiplegia
- Voya Travel Assistance
- Rehabilitation Benefit
- Common Disaster Benefit
- Coma Benefit
- Accidental In-Home Indemnity
- Safe Driver Benefit
- Criminal Assault Benefit
- War Risk Benefit
- Burn Disfigurement
- Accidental HIV Benefit
- Custodial Care Benefit
- Therapeutic Counseling Benefit
- Adaptive Home & Vehicle Benefit
- Surgical Reattachment Benefit
- Portability
- Coverage for Spouse
- Survivor's Benefit
- Education Benefit
- Spouse Training Benefit
- Coverage for Dependent Children
For all details including specific exclusions and limitations, please refer to the Voluntary AD&D Plan Certificate of Coverage. Note that benefits apply only if there has been a covered loss.
Additional Information
- Loss of hands or feet means loss by being permanently, physically severed at or above the wrist or ankle.
- Loss of sight means total and permanent loss of sight.
- Loss of speech and hearing means total and permanent loss of speech and hearing.
- Loss of thumb and index finger means loss by being permanently, physically, entirely severed.
If an employee is actively working at age 75, the amount of insurance will decrease to 50%. Coverage cannot by increased once coverage is reduced by age.
Please note that coverage will not be in place during an unpaid leave of absence.
ReliaStar Life does not pay benefits for loss directly or indirectly caused by any of the following:
- Suicide or intentionally self-inflicted injury, while sane or insane.
- Physical or mental illness.
- Bacterial infection or bacterial poisoning.
Exceptions:
- Bacterial infection resulting from an accidental injury.
- The involuntary inhalation of gas and fumes and the involuntary taking of poison.
- Riding in or descending from an aircraft as a pilot or crew member.
- Injury suffered while in the military service for any country or government.
- Injury which occurs when you commit or attempt to commit a crime.
- Use of any drug, narcotic or hallucinogenic agent, unless taken as directed as prescribed by a doctor:
- which is illegal, or
- which is not taken as directed by a doctor or the manufacturer.
- The covered individual's intoxication. Intoxication means the individual's blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.
Portability is an option for employees who want to continue their Voluntary AD&D plan, are under age 70 and are no longer active at work due to a leave of absence or separation from employment (including retirement). The premiums for ported coverage are the same as active employee premiums in the same age band.
Portability for dependent coverage is available only when the employee's coverage is also ported. For details and rates, employees may contact Voya at 877-464-5111. Refer to the Continuation Options guide for more on maintaining coverage at separation of employment.
| AD&D Plan Contact Information | |
|---|---|
| Customer Service | 877-464-5111 Fax claims: 612-467-8721 9 a.m.–5 p.m. (EST), Monday–Friday |
| Mailing Address | LifeHelp Attn: NCFlex 2990 Innsbruck Drive Redding, CA 96003 |
| ncflex@lifehelp.com | |
| Voya Travel Assistance | Anywhere in the world: +1(317)659-5841 Email: assist@imglobal.com Register and Visit Website (How to Register) |
Accidental Death & Dismemberment Plan Resources
The Accidental Death and Dismemberment Plans are underwritten by ReliaStar Life Insurance Company, a Member of the Voya Family of Companies.
The information provided is in abbreviated form only. It is provided to give employees a general understanding of the ReliaStar insurance coverage available, but it is subject to verification by ReliaStar. An employee's actual coverage and amounts are subject to all the terms, limitations and exclusions in the ReliaStar Certificate of Coverage. If the information in this guide differs from the group insurance policy held by the employer or plan administrator, the terms of that group insurance policy will govern.