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Voluntary benefits

Life can be unpredictable—but your benefits don’t have to be. Our voluntary benefits are designed to provide financial support when you need it most. Cash benefits are paid directly to you, so you decide how to use them—whether that’s covering medical costs, paying everyday bills, or simply giving yourself a little extra flexibility. With straightforward options and a simple claims process, your benefits are easy to use when it matters most.

What are voluntary benefits?

Accident insurance

Pays you benefits for specific injuries and events resulting from a covered accident. Benefit amounts vary depending on the type of injury and care received.

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Critical illness and Specified disease insurance

Pays a lump-sum benefit if you are diagnosed with a covered illness or condition such as a heart attack, stroke, or cancer.

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Hospital indemnity insurance

Pays a daily benefit if you have a covered stay in a hospital, intensive care unit, or rehabilitation facility.

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Why choose voluntary benefits through your employer?

Use the payment for what you need

Once you receive your payment, you can use the money any way you choose. Whether covering your deductible, paying out-of-pocket expenses due to an accident, or other personal expenses.

Easy access to your payment

You can file a claim online in a matter of minutes. Also, in some cases, we will pay you benefits without requiring medical records and additional paperwork. 

Take the coverage with you

If you decide to leave your current employer, your coverage is portable, meaning you can take it with you and make premium payments directly.

Need to file a voluntary benefits claim?
Here’s How. 

Online

  • Visit https://myNYLGBS.com (register if it’s your first time).
  • Upload required documents (e.g., medical records or doctor’s notes).
  • Set up direct deposit/Electronic Funds Transfer (EFT) for faster payment.

By Phone

  • (888) 842-4462 (866-562-8241 Español), Monday- Friday, 7:00 a.m. – 7:00 p.m. CST

By Paper Form

  • Download and complete a claim form
  • Submit your completed form using one of these methods:
     
    • Mail to:
      New York LIfe Group Benefit Solutions
      P.O. Box 709015 
      Dallas, TX 75370-9015

    • Fax: (800) 642-8553 

    • Email: GBSIntakePaper@NewYorkLife.com

Accident insurance, critical illness/specified disease insurance, and hospital indemnity insurance are limited benefit policies and are often referred to as voluntary benefits. These products are not health care insurance and do not satisfy the requirement of minimum essential coverage under the Affordable Care Act. New York Life Group Benefit Solutions’ Accident Insurance, Critical Illness Insurance, and Hospital Indemnity Insurance are underwritten by New York Life Insurance and Annuity Corporation, a subsidiary of New York Life Insurance Company. Policy provisions and product availability may vary by state. Policy forms: Accident-(GBS-AI-1000.00) et al; Critical Illness- (GBS-CI-1000.00) et al; Hospital Indemnity (GBS-HI-1000.00) et al. 

New York Life Group Benefit Solutions products and services are provided by Life Insurance Company of North America, New York Life Group Insurance Company of NY and New York Life Insurance and Annuity Corporation, subsidiaries of New York Life Insurance Company. Life Insurance Company of North America is not authorized in NY and does not conduct business in NY.