Ruan Benefits Program

Accident Insurance— provides a payment based on a schedule of benefits for treatments and health care services that occur due to a non-work related accident or injury.  You are also eligible for a $75 wellness benefit just for receiving a qualifying preventive screening.

Critical Illness— pays a lump sum payment based on a diagnosis of a covered illness. There is no pre-existing condition, however the date of diagnosis must be while coverage was in effect.  You have the choice of enrolling in a $10,000, $20,000, or $30,000 level plan, plus you may enroll your eligible spouse (100% benefit) and  children (50% benefit).  You are also eligible for a $75 wellness benefit just for receiving a qualifying preventive screening.

Hospital Indemnity— pays a benefit in the event of a hospital stay for a covered illness, injury, procedure or pregnancy.  You receive a flat amount for admission to a hospital or critical care unit along with a per-day benefit for each day you are confined, up to a maximum of 30 days.  You may choose between a Low plan or a High plan.

How to File a Claim on Your Voluntary Benefit Plan(s)— Claims are file online at www.voya.com/claims.  You may watch this Quick Demo Video (2:36) on the how to submit your online claim.

Doctor On Demand— All Ruan medical plans include virtual visits through Doctor On Demand.  Talk to a qualified, network provider on your schedule, 24 hours a day, 7 days a week.  Note deductibles and/or co-insurance may apply if enrolled in a high deductible health plan such as the Ruan Basic or Choice Savings plans.

Working Spouse Exclusion Rule— A working spouse who is eligible for qualified coverage through their employer may not be enrolled in a Ruan medical plan.  For a full definition of "working spouse" please view the Working Spouse flyer.

Benefits for the Part-Time Team Member— An overview of the eligibility requirements and benefit offerings for part-time employees.

VSP Vision Plan Flyer— ID cards are not issued for the vision plan, so please refer to this handy flyer.  Page two names the VSP Advantage network  along with a summary of plan benefits.              

Voya H.S.A. Custodial Agreement (Terms & Conditions)— A Health Savings Account is a bank account owned by the employee.  Like any other financial institution, the account owner must agree to the bank's terms and conditions.  You will notify Voya of your agreement during your online account registration with Voya.  If you do not complete this process and agree to their terms and conditions, Voya will not open an H.S.A. account for you.

Voya H.S.A. How to Add a Beneficiary— As with any bank account, your H.S.A. should have a named beneficiary on file.  This flyer shows how to access your online account and set up your beneficiary designation. 

Life Portability or Conversion— A side-by-side comparison of your life insurance continuation options should you leave Ruan or otherwise lose eligibility.  Note you must apply for port or conversion within 31 days of loss of coverage.