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 (link here and found in the 2025 Benefits Guide).
Hospital Indemnity insurance is available through Reliance Matrix. File a claim at matrixabsence.com (if accessing the portal for the first time you will need to set up an account) or call 877-202-0055.
Accident and Critical Illness Insurance
Critical Illness Insurance can help fill a financial gap if you experience a serious illness, such as cancer, heart attack, or stroke. The coverage provides a $10,000 benefit upon diagnosis of a covered illness (50% of benefit amount for covered dependents). Benefits can be used to help cover out-of-pocket medical costs, like your plan deductible and coinsurance.
NOTE: the rate at enrollment will be locked in as long as you continue this benefit and will not adjust as you age as long as you stay in the same coverage tier. If you change coverage tiers your rate will adjust to your current age.
Voluntary Accident Insurance helps protect your finances by helping you pay for the unexpected costs associated with an accidental injury. It provides a lump sum payment based on a schedule of benefits in the event of an accident to include common injuries, such as fractures, Emergency Room, or Urgent Care visits and physical therapy tied to an accident.
Both Voluntary Critical Illness Insurance and Voluntary Accident Insurance are administered by Allstate. To file a claim, go to allstatevoluntary.com/denso. Read the plan overviews and access the claim forms in the section below.
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Allstate Voluntary Benefits Portal for DENSO
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Voluntary Accident Plan Overview
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Voluntary Accident Claim Form
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Voluntary Critical Illness Plan Overview
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Voluntary Critical Illness 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)