EMPLOYEE BENEFITS AT WORK

BENEFITS OFFERED BY YOUR EMPLOYER CAN HELP PROTECT YOUR SAVINGS.

WHAT ARE EMPLOYEE BENEFITS?

Employee benefits are insurance policies that are offered through your employer's benefit program. Sometimes they are automatically included in your employer's benefits package, and other times you are given the option to purchase the type of coverage that works best for you and your family. These policies can provide benefits and support when unexpected events threaten your livelihood and savings.

CHOOSE THE RIGHT EMPLOYEE BENEFITS.

Choosing the right benefits is truly a personal decision. You'll want to learn about the insurance products and consider your current lifestyle, income, family health history and future goals before purchasing employee benefits. Ultimately, you'll need to weigh the costs of the policies against whether or not you may need them in the future.

CRITICAL ILLNESS INSURANCE AT WORK*

Being diagnosed with a critical illness can be devastating, both personally and financially. Breathe easier knowing Compass Critical Illness Insurance can help you pay your out-of-pocket expenses and allow you to focus on your health.

ACCIDENT INSURANCE AT WORK

Accidents can happen to anyone, at any time. Compass Accident Insurance can help you pay for the out-of-pocket costs you may experience after an accident which occurs on or after your coverage effective date.

HOSPITAL CONFINEMENT INDEMNITY INSURANCE AT WORK

Hospital stays are rarely an enjoyable experience. For starters you probably aren't feeling well or are receiving some kind of treatment. On top of that, costs add up quickly—from medical bills; to travel, food and lodging costs; to the day-to-day expenses that don't stop while you're in the hospital. The financial pressures can be overwhelming. That's where Hospital Confinement Indemnity Insurance can help. 

DISABILITY INCOME INSURANCE AT WORK

Going without a paycheck isn't an option for most people. A sprained wrist, pregnancy or surgery may require time away from work without a paycheck. Disability income insurance helps relieve the anxiety of not being able to earn a paycheck.

WHOLE LIFE INSURANCE AT WORK

Life can easily throw you off course. Premier Whole Life Insurance helps to protect the financial futures of you and your loved ones, while allowing you to build tax-deferred money within the policy (called "cash value") to stay on track. Borrow against your policy to pay for unexpected expenses or supplement your retirement income.

*Known as "specified disease" in some states. 1. This 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. 2. This varies by state and the insurance plan offered by your employer.

1. Hospital confinement indemnity 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. 2. A hospital does not include an institution or part of an institution used as: a hospice unit; a convalescent home; a rest or nursing facility; a free-standing surgical center; a rehabilitative facility; an extendedcare facility; a skilled nursing facility; or a facility primarily affording custodial, educational care, or care or treatment for persons suffering from mental diseases or disorders, or care for the aged, or drug or alcohol addiction. 3. This varies by state and the hospital confinement indemnity insurance plan offered by your employer.

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A SECURE FUTURE: Employee benefits are insurance policies that can provide benefits and support when unexpected events threaten your livelihood and savings. Choosing the right benefits is truly a personal decision.

TERM LIFE INSURANCE AT WORK

Term life insurance pays a benefit if you pass away during a specific time period (known as a "term"). You can tailor your coverage to meet a financial obligation, like your mortgage, your children's education or funeral costs.

VOYA CARES®

Voya Cares is here to help caregivers along the journey of supporting their loved one with special needs or disabilities. One of the first steps is to help employees understand how their benefits align with their vision of their loved one's future. In conjunction with the Voya Cares program, Voya Employee Benefits can provide employees access to additional education & guidance tools via the Voya Cares Online Resource Center. This website provides helpful information including: financial planning checklists, case studies, articles, whitepapers and community support resources; for those with special needs or disabilities and their family members.

Neither Voya nor is affiliated companies or representatives provide tax or legal advice. Please consult a tax advisor or attorney before making a tax-related investment/insurance decision. Voya Employee Benefits insurance products and services are provided by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY), members of the Voya® family of companies. Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Voya Employee Benefits is a division of both companies. Product availability and specific provisions may vary by state.