Accidental Death and Dismemberment

  • Active employees of the North American Division working a minimum of 19 hours a week are eligible.
  • Employees may purchase coverage in the following amounts as requested by employee and approved by VOYA.
    • $10,000 to $500,000 for the employee
    • 100% or less of the employee amount for spouse 
    • $10,000 to $25,000 each for dependent children
  • Follow instructions on claim form for completing form and filing claim.
  • Follow instructions on the enrollment form to enroll a new hire or current employee.
  • When employment ends, either due to retirement or leaving the organization, Accidental Death and Dismemberment terms as of the last day of the month of exit. There isn’t a provision for continuation of the policy.
  • ReliaStar Life Insurance Company thru VOYA

    VOYA Life Claims: PO Box 1548, Minneapolis, MN 55440

    VOYA Life Claims Overnight mailing address: 20 Washington Ave. So, Minneapolis, MN 55401

    Toll-Free: 888-238-4840
  • Q: Can I get coverage if I have a health problem?

    A: Yes. There is no medical underwriting or medical exam required to purchase AD&D insurance.

    Q: Do I need AD&D insurance?

    A: While you may have life insurance, AD&D insurance provides extra benefits such as loss of a limb or loss of sight. AD&D is a cost-effective way to cover expenses resulting from accidents.

    Q: When can an employee enroll?

    A: An employee may enroll at any time. Since there isn’t any medical underwriting, employees do not have to elect the coverage within 31 days of hire.

    Q: Do I send anything to VOYA?

    A: No, once you’ve entered the election amount in the VOYA spreadsheet, the enrollment form should be filed in-house

    Q: Can this coverage be Ported or Converted when an employee leaves employment or retires?

    A: No, the policy doesn’t have a provision for porting or converting.

The benefits described on this website are the employer-provided and voluntary benefits available for employees of the Seventh-day Adventist® church based in the United States. Adventist Risk Management,® Inc. works with Adventist Church employers to provide these benefits for their employees. Information available on this website may include region-specific information. Please refer to your employer for complete details of which benefits are customized for you.

© 2019 Adventist Risk Management,® Inc.