What we offer
Our new supplemental health products were built for success.
Product availability may vary by state and is subject to change. Voluntary benefit products are not available in New York. Accident insurance, critical illness insurance, and hospital indemnity insurance are limited benefit policies. Accident insurance pays benefits for accidents only. 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; Critical illness: GBS-CI-1000.00; Hospital indemnity: GBS-HI-1000.00. New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 © 2024, New York Life Insurance Company. All rights reserved. NEW YORK LIFE, and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company. 123988 SMRU6053607.1 Exp. Date 10.30.2025
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Putting Benefits To Work For People
SM
How we help your employees
How we enable your success
Our voluntary benefits offering is designed with one simple, but specific purpose—to ensure that you and your employees get the most from these benefits.
of Americans—about 91 million people—say they could not afford quality health care if they needed it today.¹
41%
10%
of U.S. adults—about 107 million people—carry some form of medical debt, and nearly 1 in 4 have bills that are past due or that they cannot pay.²
median increase U.S. employers project for 2026 health care costs.³
35%
1 West Health–Gallup Healthcare Affordability Index, April 2025. 2 Roosevelt Institute, The U.S. Medical Debt Crisis (policy brief, May 2025). 3 IFEBP’s Health Care Cost Pulse Survey: 2026 Cost Trend (Aug. 2025) Accident Insurance, Critical Illness Insurance, Specified Disease Insurance and Hospital Indemnity Insurance are limited benefit policies. Accident Insurance pays benefits for accidents only. 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, Specified Disease Insurance and Hospital Indemnity Insurance are underwritten by New York Life Insurance and Annuity Corporation, a subsidiary of New York Life Insurance Company. Product availability may vary by state and is subject to change. Policy forms: Accident: GBS-AI-1000.00; Critical Illness: GBS-CI-1000.00/GBS-CI-1000.NY; Hospital Indemnity: GBS-HI-1000.00; Specified Disease: GBS-CI-1000.00/GBS-CI-1000.NY. New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 © 2026, New York Life Insurance Company. All rights reserved. NEW YORK LIFE, and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company. 123988 SMRU6053607.1 Exp. Date 10.30.2025
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Accident Insurance
Includes coverage for injuries related to organized sports, treatment related to PTSD, and chiropractic treatment. And, we’ll proactively pay all related benefit claims with an upfront, lump sum payment.
Designed to cover more
With specialized coverages, plan design flexibility, and our simplified, connected claims experience, we can help drive the outcomes you need.
Our team of experts built a new voluntary offering to work harder for you and your employees.
When life takes an unexpected turn, voluntary benefits can help your employees financially protect what matters most to them.
Critical Illness Insurance
Hospital Indemnity Insurance
Life is full of unexpected events. Our accident insurance offers a lump-sum payment that can be used however your employees want. It’s designed to help relieve the financial impact of injuries and events resulting from a variety of accidents and mishaps.
Includes benefits for mental health, infectious diseases, progressive diseases, and childhood diseases and conditions, including autism.
When faced with a significant illness or disease, the last thing your employees should be worried about is their finances. Our critical illness insurance offers a lump-sum benefit to provide some financial help during challenging health times. Employees have total control over how to use the funds.
Includes surgery, coverage for newborns, and the option to add benefits like pet-boarding.
The cost of care related to a hospital stay continues to rise. Our plan pays a daily benefit for a covered stay in a hospital, intensive care unit, or rehabilitation facility. HSA-compatible plan designs are available as well as standalone non-HSA benefits, like outpatient IV and mental health services.
We designed our benefits to be easy to access and use.
Our benefits are user-friendly.
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Learn how we help.
Accident Insurance, Critical Illness Insurance, Specified Disease Insurance and Hospital Indemnity Insurance are limited benefit policies. Accident Insurance pays benefits for accidents only. 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, Specified Disease Insurance and Hospital Indemnity Insurance are underwritten by New York Life Insurance and Annuity Corporation, a subsidiary of New York Life Insurance Company. Product availability may vary by state and is subject to change. Policy forms: Accident: GBS-AI-1000.00; Critical Illness: GBS-CI-1000.00/GBS-CI-1000.NY; Hospital Indemnity: GBS-HI-1000.00; Specified Disease: GBS-CI-1000.00/GBS-CI-1000.NY. New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 © 2026, New York Life Insurance Company. All rights reserved. NEW YORK LIFE, and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company. 123988 SMRU6053607.1 Exp. Date 10.30.2025
1 Mercer Survey on Health & Benefit Strategies for 2024. 2 "Press Call by Vice President Harris on an Announcement to Ease the Burden of Medical Debt on American Family Budgets." The White House, September 21, 2023, www.whitehouse.gov/briefing-room/speeches-remarks. 3 Society for Human Resource Management. Product availability may vary by state and is subject to change. Voluntary benefit products are not available in New York. Accident insurance, critical illness insurance, and hospital indemnity insurance are limited benefit policies. Accident insurance pays benefits for accidents only. 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; Critical illness: GBS-CI-1000.00; Hospital indemnity: GBS-HI-1000.00. New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 © 2024, New York Life Insurance Company. All rights reserved. NEW YORK LIFE, and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company. 123988 SMRU6053607.1 Exp. Date 10.30.2025
Some carriers count on your employees forgetting about their benefits once they’ve enrolled. Not us. We work to make sure they get the most from their benefits spend.
We’ve designed our voluntary offering with some extras. Coverage for mental health treatment, doctor’s visits including telemedicine, infectious diseases, and pet boarding services are just a couple of examples of how we offer employees more.
Designed to encourage preventive care, our health screening benefit covers more than 40 screenings, with no documentation required, and claims paid within 48 hours.
We’ve got them covered
To minimize denials and speed up claim payments, our plans align with medical coverage provisions and definitions. And, claims can be filed online for even greater ease.
When employees file a disability or life claim, we automatically look for and pay eligible voluntary benefits using the same documentation—no extra forms, fewer delays.
Learn how we partner.
Our customized approach helps you build the best solutions for your employees.
1 Health insurance is issued by unaffiliated insurers. These insurers must also have a partnership with Claritev in order to utilize claims integration for medical claims from different carriers. Claritev™ and the issuers of New York Life Group Benefit Solutions products are independent entities, and each entity is responsible for the products and services that it provides. Accident Insurance, Critical Illness Insurance, Specified Disease Insurance and Hospital Indemnity Insurance are limited benefit policies. Accident Insurance pays benefits for accidents only. 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, Specified Disease Insurance and Hospital Indemnity Insurance are underwritten by New York Life Insurance and Annuity Corporation, a subsidiary of New York Life Insurance Company. Product availability may vary by state and is subject to change. Policy forms: Accident: GBS-AI-1000.00; Critical Illness: GBS-CI-1000.00/GBS-CI-1000.NY; Hospital Indemnity: GBS-HI-1000.00; Specified Disease: GBS-CI-1000.00/GBS-CI-1000.NY.
New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010 © 2026, New York Life Insurance Company. All rights reserved. NEW YORK LIFE, and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company. 123988 SMRU6053607.1 Exp. Date 10.30.2025
We make benefits easy
We work to keep them healthy
Through Claritev¹, eligible medical events can trigger auto-pay or auto-file of voluntary benefits claims, helping employees unlock more of the coverage they already have.
We’ve been in the business of benefits for over 100 years. During that time, we’ve learned a lot from employers about what’s important to them when it comes to creating the best benefits experience.
We’re here for good. As one of the largest mutual life insurance companies in the U.S. and a Fortune 100 company¹, our mission is embedded in our responsibility to deliver financial security to our policy owners, above all else.
Supported by the strength, stability, and proven track record of New York Life.
More plan choices with trust issuance, guaranteed issue, portability, and product bundling discounts.
Benefits that fit your workplace
Designed to fit.
When designing your voluntary benefits plan with us, you decide what features work best for you and your employees.
We help reduce cost and effort.
• Design a tailored enrollment strategy aligned to your workforce and culture. • Deliver targeted benefit communications that help employees make smart benefit decisions. • Track performance and provide actionable insights to strengthen outcomes over time.
Your dedicated enrollment consultant partners with you to:
Our voluntary benefits integrate easily with virtually any HR platform. Backed by expert guidance, we help simplify enrollment while maximizing employee engagement and participation.
We help drive participation and enrollment.
Connect with us
Contact your NYL GBS representative to learn more about our voluntary benefits.
Let's discuss how we can help.
With our voluntary benefits you get one point of contact at every stage + total integration with your disability and life plans. • One implementation • One file feed • One account team • One enrollment consultant
1
1 New York Life Insurance Company is the Largest Mutual Insurer in the U.S.: Based on revenue as reported by "Fortune 500 ranked within Industries, Insurance: Life, Health (Mutual)," Fortune magazine, 6/2/25 For methodology, see https://fortune.com/company/new-york-life-insurance/ Accident Insurance, Critical Illness Insurance, Specified Disease Insurance and Hospital Indemnity Insurance are limited benefit policies. Accident Insurance pays benefits for accidents only. 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, Specified Disease Insurance and Hospital Indemnity Insurance are underwritten by New York Life Insurance and Annuity Corporation, a subsidiary of New York Life Insurance Company. Product availability may vary by state and is subject to change. Policy forms: Accident: GBS-AI-1000.00; Critical Illness: GBS-CI-1000.00/GBS-CI-1000.NY; Hospital Indemnity: GBS-HI-1000.00; Specified Disease: GBS-CI-1000.00/GBS-CI-1000.NY.
We help reduce cost and effort. With our voluntary benefits you get one point of contact at every stage + total integration with your disability and life plans.
Your dedicated enrollment consultant works with you to: • Build a custom enrollment strategy that complements your company and culture. • Deliver benefit communications to empower employee education. • Measure results and make recommendations for ongoing success.
We help drive participation and enrollment. Our voluntary benefits can be easily configured on essentially any enrollment or administrative platform. And our team of experts supports you every step of the way.
Our smart connectivity enables: • One implementation • One file feed • One account team • One enrollment consultant • One claim filing for auto-file/auto-pay • One bill • One claims portal & dashboard
Flexible coverage with multiple options for funding, benefit amounts, enhancements, and waiving pre-existing condition limitations.
• One claim filing for auto- file/auto-pay • One bill • One claims portal & dashboard
Integration that brings it all together
Enrollment that delivers results
Our claims dashboard delivers an aggregate view of claims activity across your supplemental health benefits program, helping you monitor performance, identify trends, and make informed decisions. View aggregate claims activity and outcomes Track total claims, decisions, and benefits paid across your supplemental health benefits program. Identify program-level trends Understand utilization, average benefit amounts, and denial reasons at a glance. Support data-driven decisions Use consolidated insights to assess performance and manage overall benefits value.
