Voluntary Benefits
In addition to the Medical, Dental, Vision, Tax Advantage Accounts and employer provided Life Insurance and LTD, Xavier also provides the opportunity for employees to purchase additional insurance coverages. These include Voluntary Life and AD&D, Accident and Critical Illness.
Voluntary Life and AD&D
Voluntary Life and AD&D allows an employee to purchase additional life insurance coverage above the Basic Life and AD&D amount provided by Xavier. Employees may elect coverage for themselves, their spouse and/or their dependent children up to age 26. The Guarantee Issue (GI) and Maximum Elections amounts are:
| GI Amount | Maximum | |
| Employee | Lesser of 5x Base Annual Earnings or $200,000 | Lesser of 5x Base Annual Earnings or $400,000 |
| Spouse | $30,000 | $50,000 |
| Dependent Child(ren) | $10,000 | $10,000 |
- Evidence of Insurability (EOI) is required for elections above the GI amount.
- Benefit amount reduces to 65% of original coverage when employee reaches age 65 and 50% at age 70.
Additional information can be found on the Summary of Benefits.
Employees, or their families, needing to file a claim should utilize these resources:
New York Life is Xavier's carrier for Voluntary Life and AD&D.
New York Life Contact Information
Claim Questions: 888-842-4462
Evidence of Insurability Questions: 866-607-2360
All other inquiries should be directed to the Office of Human Resources: x3638 or hr@xavier.edu
Accident
Accident coverage can help offset expenses for treatment of covered injuries due to an accident. Employees must submit a separate claim form to the carrier in order to receive the benefit. If approved, the check will be mailed to the employee's home address for the benefit amount. Example claims and the benefit amount are:
| Example Claim | Benefit |
| Emergency Room Visit | Up to $300 |
| Hospital Admission | Up to $1,500 |
| Paralysis | Up to $15,000 |
| ICU (per day) | Up to $600 |
| Burns | Up to $1,000 |
| Fracture | Up to $10,000 |
| Dislocation | Up to $6,000 |
| Concussion | Up to $200 |
| Coma | Up to $15,000 |
When electing coverage, employees may choose the low, mid, or high plan. View the Summary of Benefits from Cigna for more details.
Employees needing to submit a claim should use these instructions.
Critical Illness
Critical Illness coverage can help to offset expenses incurred if you or a covered family member are diagnosed with a covered illness. A flat benefit amount is paid by check to the employee to use for healthcare or personal expenses. Employees may elect coverage for themselves, their spouse, and/or their dependent children up to age 26. Employees may elect between $5,000 and $30,000 in $5,000 increments. The spouse coverage is 50% of the employee election and child(ren) coverage is 25% of the employee election. Example claims and the benefit are:
| Example Claim | Benefit |
| Heart Attack, Stroke, Invasive Cancer | 100% |
| Carcinoma in situ | 25% |
| Coronary Artery Disease | 25% |
| Major Organ Failure | 100% |
| Amyotrophic Lateral Sclerosis (ALS) | 100% |
| Wellness Benefit (1x annually) | $100 per covered person |
The Summary of Benefits provides more detail on coverage as well as cost to the employee.
Employees should use the following resources to assist with claims:
- Instructions for submitting for wellness benefit
- Instructions for submitting Critical Illness claim
- Critical Illness claim form
- You will need to include the policy number which is CI111134.
- Critical Illness claim form
Cigna is Xavier's carrier for both Accident and Critical Illness.
Cigna Contact Information
P.O. Box 709015
Dallas, TX 75370
Phone: 800-997-1654
Fax: 800-642-8553
Medical Underwriting: 800-732-1603
Claims Intake: 800-362-4468
CIGNA Retirement: 800-423-1282