Voluntary Benefits
Voluntary Benefits Details
Voluntary benefits may provide financial protection by covering services not covered by your medical benefits. Voluntary plans are 100% paid by associates post-tax at the group-discounted rates. You can find the detailed benefit summaries under the Plan Documents section of this website or at Benefitsolver at myDENSObenefits.com.
Note: associates have the opportunity to enroll in these voluntary programs during the annual Open Enrollment period and within 30 days of a qualifying family status change during the year. Additionally, you are able to remove dependents or drop coverage from your voluntary elections (Critical Illness, Accident, Identity Theft Protection, and Hospital Indemnity) at any time throughout the year, however you can only add or increase coverage or dependents during Open Enrollment. New hires can elect voluntary benefits when first electing benefits at time of hire.Hospital Indemnity Insurance
Hospital indemnity insurance pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons. It helps cover certain out-of-pocket medical costs, including deductibles and coinsurance. Hospital indemnity insurance is NOT comprehensive health insurance. Read the Consumer Notice for more information (found in the 2026 Benefits Guide).
Hospital Indemnity insurance is available through The Standard (formerly Allstate). File a claim at mybenefits.thestandard.com (if accessing the portal for the first time you will need to set up an account) or call 800-521-3535.
Accident and Critical Illness Insurance
Voluntary Critical Illness Insurance
Critical Illness Insurance provides extra financial support if you are diagnosed with a serious illness, such as cancer, heart attack, or a stroke.
If you are diagnosed with a covered condition, the plan pays $10,000 benefit directly to you. Covered dependents receive 50% of the benefit amount. You can use the money however you need, including helping pay for out-of-pocket medical expenses, such as deductibles, coinsurance, travel, or household bills.
Important: Your premium rate is based on your age when you enroll and will stay the same rate as long as you keep the coverage and remain in the same coverage tier. If you move to a different coverage tier, your premium will be recalculated based on your age at the time.
Voluntary Accident Insurance
Accident insurance helps protect you from unexpected expenses caused by an accidental injury. The plan pays cash benefits for covered accident-related services and injuries, such as:
--Fractures
--Emergency Room visits
--Urgent Care visits
--Physical therapy related to an accident
--Other covered treatments and services
Benefit amounts are based on a schedule of covered injuries and treatments.
Filing a Claim
Both Voluntary Critical Illness Insurance and Voluntary Accident Insurance are administered by The Standard.
To file a claim, visit standard.com/ahl. Additional plan information and claim forms are available in the resources below.
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The Standard's Service Portal: MyBenefits
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Voluntary Accident Plan Overview
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Critical Illness Claim Form
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How to File a Critical Illness or Accident Claim in MyBenefits
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Accident Claim Form
Identity Theft Protection
Identity theft and cyber attacks are becoming more and more common. That's why DENSO offers identity theft protection as part of our voluntary wellness benefits package. This benefit is administered by IdentityForce by Sontiq. Read the plan overview below for more information about plan features, visit identityforce.com, or call member services at 833-464-8097 (New number effective 3/1/2025)