Accident Insurance
Complement your BMO medical coverage with additional financial support if you get injured in an accident. Voya administers Accident Insurance.
Receive a lump-sum payment when you or a covered family member suffers a covered injury — on or off the job — or undergoes covered testing, medical services, or treatment. The benefit amount depends on the type of injury and your treatment. Payments are made directly to you and can be used however you see fit.
Here’s a high-level overview of Accident Insurance. For more information, go to Voya.
| Features | |
|---|---|
| Who You Can Cover | You may cover yourself, your spouse/domestic partner and/or dependent children. |
| What’s Covered |
Covered accidents include:
Sports accident benefit: If your accident occurs while participating in an organized sporting activity, benefits will be increased by 25%, for a maximum additional benefit of $1,000. Benefit payments can be used however you want (e.g., for everyday expenses, lost income, child care, deductibles, copays) and are paid in addition to any other coverage you may already have. |
| Benefit Amount |
The benefit amount depends on the following:
You pay the full cost of Accident Insurance through automatic, after-tax payroll deductions. See Accident Insurance Premiums. |
| Wellness Benefit | If you or your spouse/domestic partner complete a health screening, you will each receive $50, payable once a year from Voya. Each child who completes a health screening will also receive $50. Learn more. |
| Filing a Claim | Once your coverage goes into effect, you can file a claim for covered accidents on the Voya website. |
| Portability (When you leave BMO) | If you leave BMO or retire, you can take your coverage with you. |
Support from Voya Cares®
Voya Cares® provides advocacy, financial planning resources and solutions to support the financial well-being of people with special needs or disabilities and their caregivers.
International Medical Group
Travel Assistance
You and your dependents have access to International Medical Group (IMG)’s Travel Assistance Services providing support for remote medical transport and medical concerns while you are traveling. Other services include pre-trip information, emergency personal services, and other travel-related services.
Review the IMG Travel Assistance Brochure for a description of covered services and to print your travel assistance wallet card before traveling.