Voluntary Plans
SUPPLEMENTAL LIFE INSURANCE
Navajo Express provides you the option to purchase supplemental life insurance for yourself, your spouse, and your dependent children through Voya.
You must purchase supplemental coverage for yourself in order to purchase coverage for your spouse and/or dependents. Supplemental life rates are age-ban deductible.
◦ Employee: $10,000 increments up to $500,000; guarantee issue: up to $200,000 or 2x your annual salary, whichever is less;
◦ Spouse: $5,000 increments up to $250,000 guarantee issue: up to $30,000
◦ Dependent children (to age 19, or 23 if a full-time student): $10,000; guarantee issue: $10,000
VOLUNTARY SHORT-TERM DISABILITY INSURANCE
Navajo Express provides you the option to purchase voluntary short-term disability (STD) insurance through Voya. STD insurance is designed to help you meet your financial needs if you become unable to work due to an illness or injury. Benefits will be reduced by other income, including state-mandated STD plans.
◦ Benefit: 60% of base weekly pay up to $1,000 per week
◦ Elimination period: 14 days
◦ Benefit duration: Up to 11 weeks
ACCIDENT INSURANCE
If you enroll in the Navajo Express medical plan, you will receive basic accident insurance AT NO COST. You also have the opportunity to purchase supplemental accident coverage for yourself and your dependents. Employees who do not enroll in the Navajo Express medical plan may purchase accident insurance on a payroll deduction basis.
Accident insurance helps protect against the financial burden that accident-related costs can create. The plan pays cash benefits when unexpected medical and everyday expenses occur after a covered accident. More than 50 events trigger benefit payments, including, but not limited to: fractures, dislocations, medical fees, hospital admission, and ambulance transportation.
View more details about Accident Insurance. (Enrolled in Medical Insurance)
View more details about Accident Insurance. (Not Enrolled in Medical Insurance)
CRITICAL ILLNESS INSURANCE
Navajo Express provides you the option to purchase critical illness insurance through Voya.
Critical illness insurance can help with the treatment costs of covered critical illnesses, such as cancer, a heart attack, or a stroke. The plan provides a lump-sum benefit upon the diagnosis and treatment of a covered illness. If you elect coverage for yourself, you may also elect coverage for your spouse.
HOSPITAL INDEMNITY INSURANCE
Navajo Express provides you the option to purchase hospital indemnity insurance through Voya.
Hospital indemnity insurance can help with the financial burden associated with hospital admissions. This plan provides a lump sum benefit due to a hospitalization. Benefits include: a hospital confinement benefit, a hospital admission benefit, and a hospital intensive care benefit. If you elect coverage for yourself, you can elect coverage for your spouse and child(ren).
HOME AND AUTO DISCOUNT
Navajo Express provides you the option to purchase home and auto insurance at discounted rates through MetLife.
MetLife offers customizable insurance to fit your individual needs.
Click here to view our dedicated MetLife auto and home service page, or contact MetLife for more information.
Access our dedicated auto and home service page here for more information and for quotes!
LEGAL ASSISTANCE
Navajo Express provides you the op on to purchase legal assistance through MetLife.
The MetLaw Hyatt Legal Assistance plan offers you economical access to attorneys for common legal services such as will preparation, estate planning, family law, and more.
A knowledgeable client service representative can help you locate a plan attorney in your area. You will also have convenient online access to resources that will assist with court appearances, document review and preparation, or real estate matters.
PET INSURANCE
Navajo Express provides you the op on to purchase pet insurance through MetLife in association with Nationwide.
You have the op on to choose from three plans. Premiums vary based on the age of the pet, species, size (as an adult), plan type, deductible, and state of residence.
Through Metlife, you can choose from The My Pet Protection suite of pet insurance plans specifically designed for employees and gives you superior protection at an unbeatable price, featuring:
√ 90% back on vet bills
√ Exclusivity—unavailable to the general public
√ One set price, regardless of the pet’s age
√ The best deal anywhere: an average savings of 40% over similar plans from other pet insurers
√ A wellness plan option that includes spay/neuter3, preventive dental cleaning and more
Click the links below for more information: