Voluntary Benefits

Voluntary benefits provide an added layer of financial protection for you and your family. These benefits will help cover any extra out-of-pocket expenses if you suffer an unexpected, serious illness, or qualifying accident.

Click on the buttons below or scroll the page to explore the voluntary benefit offerings. 

Accident Insurance
Critical Illness Insurance
Hospital Indemnity Insurance
Whole Life Insurance
Identity Theft
Legal Insurance

Accident Insurance

Injuries occurring off the job can be protected with Voya Accident Insurance. This plan is designed to pay cash directly to you, the team member. This additional cash support can be used to help pay any out-of-pocket expenses related to the injury. Payments are made tax free, to be used at your direction.

Wellness Benefit: $75 per insured team member or Covered Spouse per year for completing routine wellness screenings. Child(ren)’s wellness benefit is $75 per child.

Accident Insurance Explore Your Benefits

Wellness Benefit from Voya

View covered benefits and coverage amounts

Some Covered Benefits

Benefit Amount

Hospital Admission

$1,550

Daily Hospital Confinement (up to 365 days)

$275

Daily ICU Confinement (up to 15 days)

$450

Burns

 

Up to $20,000

Ambulance (ground/air)

 

$400/$2,000

Torn Knee Cartilage

$900

View example scenario
Example: Broken Ankle

Benefit Amount

Emergency Room with X-Ray

$315

Broken Ankle, Closed Reduction (no surgery)

$2,250

Physical Therapy (6 sessions)

$360

Physician Follow-Up (per visit)

$100

Total Dollars Payable to Employee

 $3,025
View plan costs
Accident Plan Bi-Weekly Deduction

Team Member

$3.44

Team Member and Spouse

$6.00

Team Member and Child(ren)

$7.13

Family

 $9.68
File a Claim

Critical Illness Insurance

There can be a lot of expenses associated with a critical illness and a major medical plan may not cover them all. Critical Illness coverage with Voya pays cash directly to you, the team member, upon a diagnosis listed in the table shown below.

You have the option to select the tiered coverage amount of your choice with certain pre-existing condition limitations. The policy will cover team members for diagnosed conditions on or after coverage effective date. Team members can elect up to $30,000 in guaranteed issue coverage. Spouses can elect 50% of the team member’s coverage amount. Child(ren) coverage is automatically included at 50% of the team member’s benefit amount. A team member must elect coverage for dependents to elect coverage as well.

Wellness Benefit: $75 per insured team member or Covered Spouse per year for completing routine wellness screenings. Child(ren)’s wellness benefit is $75 per child.

Critical Illness Explore Your Benefits

Wellness Benefit from Voya

Critical Illness Insurance with an Infectious Disease Benefit

Below is an example of how the Critical Illness Plan works.

Donna’s life is turned upside down when she suffered a heart attack which was followed by a stroke only a month later. Not only did she miss work, but so did her husband to help her during her recovery. Their income took a hit and bills piled up. Donna had enrolled in Voya’s Critical Illness plan with a $30,000 Benefit Amount per diagnosis. She received a total benefit payment of $60,000 in her family’s greatest time of need.

Amount Paid to Donna

Heart Attack

$30,000

Stroke

$30,000
Total Direct Benefit Payment to Donna

$60,000
File a Claim

Hospital Indemnity Insurance

Hospital Indemnity insurance with Voya is designed to provide financial assistance for an event that results in a hospital confinement (stay), to supplement your current coverage. Team members can use the benefit shown to the right, to meet any out-of-pocket expenses and extra bills that can occur. Benefits are paid directly to you, regardless of the actual cost of treatment. ECU Health team members will receive a 50% additional benefit if treatment is sought at a ECU Health Facility.

Wellness Benefit: $75 per insured team member or Covered Spouse per year for completing routine wellness screenings. Child(ren)’s wellness benefit is $75 per child.

Hospital Indemnity Explore Your Benefits

Wellness Benefit from Voya

View covered benefits

Covered Benefits

Benefit Amount

Hospital Admission Benefit

$1,000

ICU Admission Benefit (pays in addition to Hospital Admission)

$1,000

Daily Hospital Confinement (up to 30 days per confinement)

$200

Daily ICU Confinement (up to 15 days per confinement)

$400
View plan costs

Hospital Indemnity Plan

Bi-Weekly Deduction

Team Member

$11.38

Team Member and Spouse

$19.65

Team Member and Child(ren)

$19.31

Team Member and Family

 $27.58
File a Claim

Whole Life Insurance

Whole Life Insurance provides you with a fixed death benefit and locks premiums in at the age you purchase coverage. You can choose to add long-term care coverage to this plan as well, combining two important benefits into one affordable product.

Whole Life insurance also builds cash value at a guaranteed rate of 4.5%. You can borrow from that cash value, or you can buy a smaller, paid-up policy—with no more premium due.

Learn more about UNUM Whole Life Coverage.

This plan requires a special enrollment process outside Employee SelfService. Below is the link to the microsite with more information about this plan as well as the number for the call center that can assist you with enrollment or answer any questions you may have.

Visit the site during your enrollment period.

Below is the link to the website with more information, as well as the phone number for the call center that can assist you with enrollment or answer any questions after enrollment:

Identity Theft

LifeLock helps provide you peace of mind with comprehensive identity theft protection. If a potential threat is detected, you are notified via email, text, phone, or mobile app alerts. Should you become a victim of identity theft, LifeLock provides a dedicated restoration specialist to help restore your identity. The plan coverage details are outlined in the toggles to the right:

Opt Into Cyber Safety Benefit Brochure

View identity theft protection
Premier
LifeLock Identity Theft Protection

Home Title Monitoring

X

LifeLock Skill for Amazon Alexa

X

Credit, Bank, and Utility Account Freezes

X

Identity Verification Monitoring

X

LifeLock Identity Alert System

X

      Payday—Online Lending Alerts

X

      Credit Alerts and Social Security Alerts

X

LifeLock for Norton360 mobile app (Android and iOS)

X

Dark Web Monitoring

X

LifeLock Privacy Monitor

X

USPS Address Change Verification

X

Stolen Wallet Protection

X

Reduced Pre-Approved Credit Card Offers

X

Fictitious Identity Monitoring

X

Data Breach Notifications

X

Bank and Credit Card Activity Alerts

X

Checking and Savings Account Application Alerts

X

Bank Account Takeover Alerts

X

401(k) and Investment Account Activity Alerts

X

File Sharing Network Searches

X

Sex Offender Registry Reports

 X

Prior Identity Theft Remediation

 X

U .S .-Based Identity Restoration Specialists

 X

24/7 Live Member Support

 X

Million Dollar Protection Package

Up to $1 million each

Credit Application Alerts

One-Bureau

Credit Monitoring

Three-Bureaus

Annual Credit Report and Credit Score

Three-Bureaus

Monthly Credit Score Tracking

One-Bureau

View device security protection
Premier
Norton Device Security

Secures PCs, Macs, and mobile devices

Up to 5 devices (family gets 10 devices)

Online Threat Protection

X

Password Manager

X

Parental Control

X

Smart Firewall

X

Cloud Backup

50GB
Online Privacy

SafeCam

 X
View coverage costs
Biweekly Deduction

 

Premier

Team member

$4.61

Family

$8.76