Group Disability Income Insurance

Being disabled could involve an illness (such as heart disease, cancer or arthritis) or an injury (such as back sprains, tendonitis, carpal tunnel syndrome and more). In other words, anything that keeps people from being able to do the essential duties of their occupations. Voya™ Employee Benefits offers a number of disability products to help while customers are unable to work. These include:

  • Supplemental Disability Income Insurance
  • Short-Term Disability Income Insurance (STD)
  • Long-Term Disability Income Insurance (LTD)
  • Voluntary Disability Income Insurance

Supplemental Disability Income Insurance

Voya Employee Benefits offers a supplemental or buy-up option that gives employees the opportunity to purchase additional coverage above what is provided by the employer.

Short-Term Disability Income Insurance (STD)

If an employee becomes disabled (as defined in the policy) and is unable to work due to illness or injury for a specific period of time, STD coverage provides weekly income benefits after the policy's benefit waiting period has been met. At the same time, we work closely with customers and health care professionals, monitoring recovery and assisting with the transition back to work.

STD can help:

  • Protect income
  • Fill the gap between income and expenses
  • Maintain quality of life

To make claim intake methods easier, we offer a variety of claim submission techniques:

  •  Web
  • Paper
  • Telephonic

Telephone Claims Administration

The Disability Income Assistance Line (DIAL) is a three-point program involving an employee, employer, and provider to manage short-term disability claims. Disability and clinical case managers review medical care and treatment to determine work readiness or transfer into long term disability.

When clients report a claim to the DIAL toll-free number, a benefit specialist gathers eligibility and occupational information, and obtains medical information from the client's physician.

We also offer DIAL services in conjunction with FMLA administration. FMLA administration is provided by ComPsych, Chicago, IL.

Long-Term Disability Income Insurance (LTD)

A long-term, disabling illness or injury could affect a customer's financial security. LTD coverage provides monthly income benefits after the policy's benefit waiting period has been met, if an illness or injury sidelines a covered person for a prolonged period of time. Additional benefits include a managed plan that works closely with individuals and physicians during recovery.

LTD can help:

  • Protect income
  • Fill the gap between income and expenses
  • Maintain quality of life

Voluntary Disability Income Insurance

At Voya Employee Benefits, our voluntary disability income products are available through the convenience of payroll deduction. This employee-pay-all coverage is designed to help meet individual needs.

Voluntary Short Term Disability (STD): If an employee becomes disabled (as defined in the policy) and is unable to work due to illness or injury for a specific period of time, Voluntary STD coverage provides weekly income benefits after the policy's benefit waiting period has been met. This payroll-deduced coverage is 100% employee-paid.

Voluntary Long Term Disability (LTD): If an illness or injury sidelines a covered person for a prolonged period of time, Voluntary LTD coverage provides monthly income benefits after the policy's benefit waiting period has been met. This payroll-deducted coverage is 100% employee-paid.

Premier Disability Income: To help prepare for an unexpected disability that results in a loss of income, an employee can choose their desired monthly benefit coverage amount, subject to income replacement guidelines. This payroll-deducted coverage is 100% employee-paid.

Voya™ Employee Benefits insurance products and services in the U.S. are provided by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya™ family of companies. Product availability and specific provisions may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.