Yes, Baystate Health has partnered with the Farmington company during benefits open enrollment. Specially trained Benefits Specialists are available onsite at Baystate throughout the open enrollment period, to assist with questions and help you make informed decisions.

• You— all active employees:
  • All Baystate and Baycare employees who work at least 16 hours/wk
  • BVNAH employees who work at least 15 hours/week.

• Your spouse*— 15 through 70 years. Coverage is available as long as the employee is eligible to apply, even if the employee chooses not to do so. If both you and your spouse are employees, you may elect to be covered with an employee or a spouse policy, but not both. Each person can only be covered by one policy.

• Your child(ren)— 15 days through 24 years. Coverage is available as long as the employee is eligible to apply, even if the employee chooses not to do so. Coverage is available to children and dependent grandchildren. Each child/grandchild must be equally insured. If both you and your spouse are covered under the policy as an employee, then only one, but not both, may cover the same children under this benefit. If the parent who is covering the children stops being insured as an employee than the other parent may apply for children’s coverage.

*The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider.

You can only enroll in this benefit during Baystate’s benefits open enrollment each Oct-Nov timeframe.

The effective date of coverage is the date you are eligible to begin filing claims.

• Your coverage becomes effective on January 1, following the election of coverage. Coverage for your spouse and/or children becomes effective on the same date as your coverage.

When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.

Payments are made via Baystate Health payroll deduction.

• For you—If you are under age 50, you may elect up to $125,000; age 51 through age 65 you may elect up to $50,000; age 66 through age 70 you may elect up to $25,000, no health questions required.
• For your spouse—Eligible for $5,000 at guaranteed issue, no health questions required.
• For your child(ren) and/or grandchild(ren)—Eligible for $12,500; $15,000; $20,000; or $25,000 in coverage, no health questions required.

No, all available benefit levels are guaranteed issue so no health questions are required.

None of us likes to think about these things, but it’s important that you can also tap into your life insurance death benefit early if you’re ever diagnosed with a terminal illness. That benefit could really help you and your family during a difficult time. An advance payment of your life insurance benefits is available if you are diagnosed with a terminal illness with a life expectancy of 12 months or less.

You can request payment up to 50% percent of your benefit amount, up to a maximum of $150,000. Advance payment permanently reduces the death benefit. Premiums must continue to be paid on the remaining benefit amount after an advanced payment.

If you buy this policy and continue to pay the monthly cost, after 15 years or at age 65, whichever is later, you’ll have a paid-up life insurance policy for half of the benefit amount that’s yours to keep. This paid-up policy means you can get paid the benefit amount to use however you wish.

No, you can keep this policy for your lifetime as long as you continue to pay the premiums. All coverage under this policy will terminate when any of the following occurs:

• The insured requests to terminate the policy
• The insured dies
• The policy matures
• The loan value exceeds the guaranteed cash value of the policy

1. Visit the Voya.com/claims and click on "Get Started".
2. Complete the questionnaire.
   This generates a custom claim form package for you.
3. Download your claim form package.
4. Complete the form package.
   Have each form completed by the appropriate party, as outlined in the claim form package.
5. Gather additional documents.
   Collect any additional supporting documents, as instructed on the claim form "for you".
6. Submit.
   Using your preferred submission method, submit your completed and signed forms, as well as any supporting documents.
   • To submit online via a secure upload, visit Voya.com/claims and click on "Upload Documents".
   • To mail or fax your submission, see the top of your custom claims form package.