Hess provides three types of accident insurance protection.
Feel protected knowing Hess provides accident protection insurance at no cost to you plus the option to purchase additional coverage.
How Accident Insurance Works
Business Travel Accident Insurance
Hess provides Business Travel Accident coverage at no cost to you. Enrollment is not required.
Business Travel Accident coverage is equal to five times your annual base salary, with a minimum coverage of $100,000 and a maximum coverage of $2.5 million.
Family Accident Insurance for Major Accidents
You can purchase Family Accident Insurance, which provides benefits if you or a covered family member dies or suffers a covered disabling injury as the result of an accident (such as loss of limbs, eyesight or hearing). Family Accident Insurance benefits are paid in addition to your Basic and Optional Life Insurance coverage.
For Your Spouse
For Your Children
Accident Insurance for Minor Accidents
Hess has partnered with Voya to provide additional coverage you can purchase to help pay out-of-pocket costs when you or a covered family member faces certain accidental injuries, such as burns, lacerations and torn knee cartilage.
Voya Accident Insurance pays a lump-sum benefit to help take the edge off unexpected costs that can arise if you or a covered family member suffers certain accidental injuries. For more information on the benefits provided and how much this coverage costs, view the benefits summary. Here are some key features of Accident Insurance:
- Coverage is available for you, your spouse and children at discounted group rates.
- No medical questions or tests are required.
- You can use benefit payments for anything you need, like medical expenses, groceries or utilities.
- You, your spouse and children can receive a wellness benefit payment every calendar year if you each complete a health screening test:
- For you — $50
- For your spouse — $50
- For your children — $25 per covered child (annual maximum of $100 for all children)
What You Pay for Accident Insurance
The cost of coverage for you and your dependents is based on the coverage type.
- For Family Accident, the cost of coverage is based on the coverage amount you elect and who you cover.
- For Accident Insurance, the cost of coverage is based on the coverage tier you elect.
To find out how much this coverage costs for you, go to the Hess Benefits Center at Empyrean.
How to Enroll
You may enroll during Open Enrollment or if you have a qualified life event through the Hess Benefits Center at Empyrean.
Designate Your Beneficiaries
You must designate beneficiaries for the benefits listed below to ensure that, in the event of your death, the benefits are distributed according to your wishes.
- Business Travel Accident Insurance
- Family Accident Insurance
To designate or change beneficiaries, visit the Hess Benefits Center at Empyrean. Click Main Menu > My Benefits Profile, then the Beneficiaries tab.
WHAT IS ANNUAL BASE PAY?
The definition of annual base pay depends on whether you are salaried or hourly, and does not include bonus or overtime pay. If you are a salaried employee, annual base pay is your annual salary. If you are an hourly employee, annual base pay is your hourly rate times 2,080 (52 weeks x 40 hours/week).
WHAT IS EVIDENCE OF INSURABILITY?
Evidence of insurability (EOI), also known as proof of good health, is an insurance term that means you must confirm your or your dependent’s physical well-being in writing through a questionnaire or medical examination. Your insurance will not be effective until the insurance company approves your EOI.