Supplemental Life

  • Active employees of the North American Division working a minimum of 19 hours a week are eligible.
  • If eligible, you may purchase coverage from $10,000 up to $750,000 in increments of $10,000 as approved by Voya.

    Employee:  Coverage not to exceed the lesser of 7X annual earnings or $750,000.

    Spouse: Eligible for amounts from $10,000 to $250,000 (not to exceed 100 percent of employee election).

    Dependents: Eligible for amounts from $1,000 to $25,000 (not to exceed 100 percent of employee election).

     

  • Locate the claim form needed on the Voya Claims Center website. Follow instructions on claim form for completing form. Forward the claim form, a certified death certificate, a copy of the insured's enrollment documentation, and any beneficiary changes to the address listed on the claim form.
  • Supplemental life can be purchased at any time by any employee who works a minimum of 20 hours a week. If they are a new hire, they must elect and sign the enrollment form within 31 days of hire. They can elect up to $250,000 without completing an EOI. This is the Guaranteed Issue (GI) amount. The enrollment form is kept and filed in-house. 
     
    If their election amount is over $250,000, an Evidence of Insurance (EOI) needs to be completed and sent to ReliaStar/VOYA for underwriting and approval.  The address is listed at the top of the form. If under the GI, the election amount would be added to the VOYA spreadsheet and paycheck deductions will begin. If an EOI is required, wait for the determination letter from VOYA to set up in the VOYA spreadsheet and begin paycheck deductions.
     
    Evidence of Insurability (EOI) Forms
  • Non-Retiree: Supplemental life has a provision to port your current coverage, or a lesser amount of the face value, without requiring Evidence of Insurability (EOI).  To port, you must submit a completed Term
    Life Continuation Request form to VOYA (ReliaStar Life) within 31 days of your term date.  The maximum portability amount is $500,000 with a minimum of $10,000.  Termination instructions –
     
    Retiree: Supplemental life has a provision to port your current coverage, or a lesser amount of the face value, without requiring Evidence of Insurability (EOI).  To port, you must submit a completed Retiree Life Insurance Enrollment Form to Selman & Company within 31 days of your retirement date.  There is a maximum continuation amount of $250,000 with a minimum of $10,000.  Keep in mind that due to age reductions, benefit amounts reduce to 65% of the original coverage kept at age 70 and to 30% at age 75.  The premium will also reduce. 
  • Voya Life Claims: PO Box 1548, Minneapolis, MD 55440.

    Toll-free: 888-238-4840

    Claims: Overnight Mailing Address: 20 Washington Ave. So, Minneapolis, MN 55401

    Fax: 612-492-0662

    Grace.fischer@us.ing.com

     Retiree Life Claims Customer Service Number 1-800-556-7614
     
  • Q: Can an employee with one North American Division institution purchase this insurance for a spouse working at another North American Division institution?

    A: Yes, as long as the spouse isn’t purchasing supplemental life insurance themselves. The rule of thumb is: you are either an employee or a spouse, not both.

    Q: If both parents are working for a North American Division entity, can both purchase Supplemental Life for their dependent children?

    A: No, only one parent can carry the children.
     

    Q: What happens with this insurance if an employee goes on Long-Term Disability (LTD)?

    A: There is a waiver of premium provision in the LTD policy. When completing the LTD application, the supplemental life insurance in force for that employee should be noted in the appropriate section. VOYA will review and send a letter of approval or denial.

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.

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