Total disappointment that for years I have paid into an accident insurance policy and the one time I file into it, it was slapped in the face. It does not pay if you get hurt at work. That's where most people get hurt at if your not sitting behind a desk all day. I'm awaiting the renewal period and letting all other employees know about the subpar policy.
Bottom Line: No, I would not recommend this to a friend
In most, if not all states, the law is that AD&D policies do not cover workplace accidents, which is covered under workman's compensation. You can't blame an insurance company for selling policies that follow the law. Reading and understanding the terms of a contract is very important.
So the really smart people should get Aflac, which does pay in North Carolina if you get hurt on the job, instead of a subpar policy like Voya that don't pay if you get hurt on the job. I can see where that would make sense, thanks for informing us all about the downfall of Voya's policy.