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Home/Your Benefits/Voluntary Benefits
  • Your Benefits
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Voluntary Benefits

Cargill offers you additional, cost-effective benefits that help you prepare for the unexpected. Voluntary benefits, including accident insurance, critical illness and identity theft protection, can support your financial needs and offer flexibility, convenience and peace of mind.

Although you pay the full premium, Cargill has negotiated with the benefit providers to provide a group rate to Cargill employees. In many cases, these group rates are lower than what you would pay for these coverages on an individual basis.

Accident Insurance

In addition to the benefits you receive from your primary medical insurance, a voluntary accident plan pays you benefits if you suffer from specific injuries or events resulting from a covered accident (such as a fall, motor vehicle accident, overexertion or strenuous movement). The amount paid depends on the type of injury and care received.

Overview

  • Administered and insured by Voya.
  • Available to you, your spouse/domestic partner and children.
  • You must enroll in coverage during your initial enrollment period or during Open Enrollment.
  • Premiums are paid by automatic post-tax payroll deductions.

Benefits Help Pay For:

  • Copays
  • Coinsurance
  • Home health care costs
  • Everyday expenses (e.g., utilities, groceries)
  • Cover income lost from time away from work

Coverage

  • Pays you a lump sum cash benefit if you are diagnosed with a covered illness or condition.
  • The amount you receive depends on the type of injury you experience and the care you receive.

Critical Illness Insurance

In addition to the benefits you receive from your primary medical insurance and Short-Term Disability/Salary Continuation, Critical Illness pays you a lump-sum cash benefit if you are diagnosed with a covered illness or condition — such as a heart attack, cancer or stroke — on or after your coverage effective date. You can use the cash however you see fit — for example, to make your mortgage payment, hire in-home caregivers, cover medical bills, and pay for travel to treatment facilities away from home.

Overview

  • Administered and insured by Voya.
  • You must enroll in coverage during your initial enrollment period or during Open Enrollment.
  • Premiums are paid by automatic post-tax payroll deductions.

Covered Illnesses include things like: 

  • Stroke
  • Cancer
  • Certain heart conditions

You may also elect:

  • Additional cancer coverage for conditions or treatments like benign brain tumors, skin cancer, bone marrow transplants or stem cell transplants.
  • Quality of life coverage for conditions like multiple sclerosis, paralysis, Parkinson’s, dementia, and more.

Benefits Help Pay For:

  • Medical expenses
  • Home health care costs
  • Therapy and training
  • Costs associated with travel to treatment facilities
  • Everyday expenses (e.g., utilities, mortgage)

Coverage

  • Pays you a lump sum cash benefit* if you are diagnosed with a covered illness or condition

Identity Theft Protection

Identity Theft Protection provides you with tools to monitor your credit and protect you from identity theft and fraud. In the case of an identity breach, InfoArmor will take all the necessary steps to restore your good name and credit accuracy.

Overview

  • Administered and insured by InfoArmor.
  • You must enroll in coverage during your initial enrollment period or during Open Enrollment.
  • Premiums are paid by automatic post-tax payroll deductions.

Services

  • Coverage available for just you or your whole family
  • Credit score tracking
  • 24/7 consultation with licensed investigators
  • Data breach notifications
  • Lost/stolen wallet support
  • Daily monitoring
  • Remediation and restoration, including reimbursement of theft-related expenses like lost wages, legal fees, medical record request fees, mailing fees, child care costs, and more while your identity is restored.

Disclaimer: If there are any differences/discrepancies between the information on this website (www.cargill.com/myhealth and all related pages) and the information in the plan documents and/or summary plan descriptions (SPDs), the information in the plan documents/SPDs will overrule. Employees will receive information on how to access SPDs based on their benefits eligibility.

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