Life Insurance
Voya Financial
The company provides you with basic life and accidental death and dismemberment benefits to protect your family's financial security in the event of death or accidental injury. Basic life is provided at no cost to you.
In addition to the company-paid basic life insurance, you have the option to purchase supplemental coverage for yourself and your dependents. Upon your initial enrollment opportunity, you can purchase up to the Guarantee Issue amount without any medical questions. Later enrollments or coverage increases will require evidence of insurability and are subject to approval by the carrier.
Click on the links below for information.
Useful Links
- Supplemental Life Benefit Summary
- Voya Website for Life Insurance
- Empathy Voya Flyer
- Voya Life Certificate - Company Plan Grade 85 & Above
- Voya Life Certificate - Company Plan Employees
- Voya Life Certificate - Illinois Bargaining Employees
- Voya Life Certificate - Lufkin Conroe Bargaining Employees
- Voya Life Certificate - Katy Bargaining Employees
- Voya Life Certificate - Pennsylvania ILEC Employees
- Voya Life Certificate - Pennsylvania CLEC Employees
- Voya Life Certificate - Minnesota Bargaining Employees
- Voya Life Certificate - FairPoint Unions excluding Taconic hired prior to 3/15/13
- Voya Life Certificate - Taconic hired prior to 3/15/2013
Short Term Disability Coverage
Disability coverage provides a continuing source of income if injury or illness prevents you from working. If you are unable to work due to an illness or accident, Short-Term Disability (STD) will pay a portion of your salary while you are out.
As an eligible employee, CCI provides you with STD coverage at no cost to you. You are automatically enrolled once you become eligible.
Sedgwick Claims Management
Long Term Disability Coverage
Reliance Matrix
Disability coverage provides a continuing source of income if injury or illness prevents you from working. If you are unable to work due to an illness or accident, Long Term Disability (LTD) can pay a portion of your salary while you are out. As an eligible employee, CCI provides you with LTD coverage at no cost to you. You are automatically enrolled once you become eligible.
Reliance Matrix
800.351.7500
Accident Plan
Accident Insurance pays you benefits for specific injuries and events resulting from a covered accident on or after your coverage
effective date. You can use this money however you like, including: deductibles, child care, housecleaning, groceries or utilities.
Accident Insurance is a limited benefit policy.
Below are just some examples of benefits payable under the plan. Refer to your benefits summary or certificate of coverage for a
full listing.
Event Benefit
Hospital Admission: $1,250
Hospital Confinement: $375 per day, up to 365 days
Emergency Room Treatment: $225
Common Injuries
Torn Knee Cartilage – surgical repair: $800
Laceration- with sutures up to 2”: $60
Shoulder Dislocation (Non-surgical): $2,200
Leg Fracture (Non-surgical/Surgical): $2,800/$5,600
If you enroll in Accident Insurance coverage, you have access to a $75 Wellness Benefit, which provides an annual benefit if you complete a health screening test, whether or not there were any out-of-pocket costs. The Wellness Benefit is designed to encourage you to maintain a healthy lifestyle, since the tests screen for a wide range of potential illnesses and diseases.
For more information: https://presents.voya.com/EBRC/Product/ConsolidatedCommunications/Accident2
See the product brochure, certificate of coverage and any applicable riders for a list of covered accidents, along with complete provisions, exclusions and limitations. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Changes to enrollment can only be made at open enrollment or with a qualifying life event.
Critical Illness Plan
Critical Illness Insurance pays a lump-sum benefit if you are diagnosed with a covered disease or condition on or after your coverage effective date. You can use this money however you like, for example: to help pay for expenses not covered by your medical plan, lost wages, child care, travel, home health care costs or any of your regular household expenses. Critical Illness Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Changes to enrollment can only be made at open enrollment or with a qualifying life event.
Examples of Covered Conditions:
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Heart attack
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Cancer
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Stroke
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Major organ transplant
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Coronary artery bypass (25%)
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Carcinoma in situ (25%)
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Benign brain tumor
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Bone marrow transplant (25%)
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Stem cell transplant (25%)
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Type 1 diabetes
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Severe burns
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Transient ischemic attacks (TIA) (10%)
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Aneurysm (10%)
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Open heart surgery for valve replacement or repair (25%)
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Transcatheter heart valve replacement or repair (10%)
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Coronary angioplasty (10%)
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Implantable cardioverter defibrillator (ICD) placement (25%)
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Pacemaker placement (10%)
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Permanent Paralysis
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Loss of sight, hearing or speech
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Coma
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Multiple Sclerosis
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Amyotrophic lateral sclerosis (ALS)
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Parkinson’s disease
All coverage amounts are Guaranteed Issue, so there are no medical questions or tests required for coverage. Pre-existing condition exclusions may apply. Coverage is portable if you leave or retire. If you enroll in Critical Illness Insurance coverage, you also have access to a $50 Wellness Benefit, which provides an annual benefit if you complete a health screening test, whether or not there were any out-of-pocket costs. The Wellness Benefit is designed to encourage you to maintain a healthy lifestyle, since the tests screen for a wide range of potential illnesses and diseases.
For more information: https://presents.voya.com/EBRC/Product/ConsolidatedCommunications/CriticalIllness2
Call: 877.236.7564
Auto and Home Insurance
Offered by American Benefits Consulting
Consolidated Communications has partnered with American Benefits Consulting to offer an Auto and Home Insurance Program. This voluntary benefit gives you access to reliable coverage and special savings on insurance not available to the general public. Coverage is offered through your choice of three carriers: Farmers, Liberty Mutual, and Travelers Insurance. Program enrollment applications are accepted year-round. Your insurance coverage request is individually underwritten.
It’s easy to protect yourself and your property with special savings available to you as a Consolidated Communications employee. To start reviewing your voluntary benefit options, call 888.299.9220 or visit consolidatedautohome.com.
Useful Links
Travel Assistance by Voya
Assistance available when traveling more than 100 miles from home:
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Pre-trip information
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Emergency personal services
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Medical assistance services
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Emergency transportation services
Useful Links
ID Theft Recovery Service
WalletArmor
Identity theft monitoring and recovery program provided by WalletArmor, at no cost to you.
Enroll online at the www.reliancestandard.com/walletarmor
Enroll online at the www.reliancestandard.com/walletarmor
Useful Links
Travel Accident Protection
Reliance Standard Life Insurance
Business Travel Accident Insurance provides additional coverage for eligible employees traveling on Consolidated Communications-related business. Any benefits paid are in addition to Basic Term Life Insurance and Basic AD&D Insurance Benefits.
Employees automatically receive coverage equal to three times their annual compensation, to a maximum of $1,000,000. Consolidated Communications pays the full cost of coverage. Benefit amounts are reduced once an employee turns age 65. Refer to the Certificate of Coverage for details.