Enhanced leave management and Short Term Disability portal experiences will debut in December. Get a sneak peek.

Voya Leave Management & Disability Income Coverage

Effectively managing leaves of absence can be a challenge for companies. Voya Leave Management can help lift this process off the shoulders of an employer’s human resources team — by offering an integrated leave management services for federal Family and Medical Leave Act (FMLA), state unpaid leave laws and company leaves, Paid Family Leave (PFL/PFML) and administration of Americans with Disability Act (ADA) leaves. Plus, our Disability Income coverage provides a supportive claims process for employees during a stressful time and can help simplify the administrative burden for employers.

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Voya Leave Management

This leave management option is available for companies with more than 200 employees with fully insured Short Term or Long Term Disability. Offers employees job-protected leave in the event they can’t work due to their own illness, to care for a family member or take bonding time.

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Short Term Disability Income Coverage

Offers employees benefits to replace a portion of their weekly earnings in the event they can’t work because of an eligible illness or injury; can be offered as employer and/or employee paid. A waiting period and maximum duration will apply.

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Long Term Disability Income Insurance

When a disability lasts longer than Short Term Disability coverage, this replaces part of their paycheck for the duration of their disability or to normal retirement age. A waiting period and maximum duration will apply. Can be offered as employer and/or employee paid.
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Voya Leave Management

Voya Leave Management gives companies with over 200 employees an integrated process of managing leaves that can help reduce administrative burden.

It makes taking time off straightforward for employees, and offers a high-touch, proactive customer service experience. Plus, we guide employers with remaining compliant with leave laws and regulations nationwide.

 

Comprehensive absence solutions

  • Leave management services: Includes federal, state and company-specific leaves, paid family leave,* and administration of Americans with Disabilities Act (ADA) leaves.
  • Offered in one place: Employers get access to job protection guidance, disability benefits, work accommodations and Stay at Work (SAW) guidance.
  • 24-hour online portal: Provides real-time claim status and robust reporting tools that supply the reason for the absence, return-to-work date, as well as a calendar of current and upcoming absences for each manager’s team.
  • Consistent benefits experience: Employees receive personalized customer service from one case specialist assigned to manage all types of leaves. Our case specialists handle a caseload that is reasonable and allows them to have the time required to provide proactive service to their customers.

*For approved private plans in states where paid family leave is offered.

Employers can expect:

  • Proactive reach out on the expedited claim decision process
  • Integrated Short Term Disability and leave system updated in real time
  • Customizable communications options to help reduce questions
  • Online portal and reporting capabilities
  • Advocacy for Employee Assistance Programs (EAPs)

Employees can expect:

  • Outreach via telephone to employee/physician
  • Single claims specialist that handles the entire claim process
  • Regular communication during leave
  • Updates/decisions delivered by phone and letter
  • 24-hour portal access to claim status/reporting tools

Here's how the process works:

  1. Intake: Questions are asked specific to reason for leave via telephone or online, which takes less than 15 minutes.
  2. Within 2 business days: Acknowledgement Pack sent with applicable leave protections, eligibility decisions, medical certification, rights and responsibilities, and any other enclosures or information employer needs employee to receive.
  3. Within 3 business days of receiving all necessary claim information: Decision is made to approve, deny, or pend the claim for more information needed. Status details are thoroughly explained via phone to employee.
  4. Checkpoints/ongoing claim review: Based on the specific claim, checkpoints may be conducted. A team of specialists can assist with ongoing review and evaluations. Employee is reminded a few days prior to anticipated return to work and the case specialist will verify the date has not changed. Referrals to complimentary advocacy resources are available. 

Voya Leave Management services are provided in part by Disability Reinsurance Management Services, Inc.
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Short Term Disability Income Coverage

With our Short Term Disability (STD) Income Coverage, we can build a benefit plan that matches an employer’s strategy and culture. STD pays benefits to replace a percentage of an employee’s weekly earnings for a disability lasting a few weeks to a few months. There may be a waiting period before an employee is eligible for benefits.

Adaptable to most enrollment systems, STD coverage can be included on virtually any platform or benefits administration system. Employees can select their benefits as part of their annual or open enrollment process.

  • True group product: Designed to integrate enrollment and administration to match an employer’s core benefit offerings. Employers receive a single certificate. (ReliaStar Life Insurance Company and ReliaStar Life Insurance Company of New York provide only administrative services for self-funded short term disability income plans.)
  • Flexible claim submissions process: Employees enjoy a streamlined claims experience, while employers see reduced administrative concerns through our comprehensive claim management services.
  • Customized with self-administered billing: Employers can be the system of record, providing us with the lives and volumes to reconcile each month. There are no tedious list bills to review.

Product features

  • Multiple funding options available
  • Range of coverage amounts, benefit durations and waiting period options

Fully insured

Self-funded 

  • Advice-to-Pay (ATP)
  • Administrative Services Only (ASO)

The claims process

  • Claimant has direct access to a designated claims team
  • After submitting a claim, claimant may be contacted by a case specialist if additional documentation is needed
  • Claimants can receive claim payments via direct deposit

Administrative support

  • We may refer claimants to additional employer-offered programs, such as wellness, disease management or employee assistance as appropriate
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Long Term Disability Income Insurance

If employees become disabled or are unable to work due to sickness or illness for a longer period of time, Long Term Disability (LTD) Income Insurance can help replace some of their lost income.

In general, LTD coverage begins after STD has been exhausted and can last for the duration of the disability or until retirement — a waiting period may apply before an employee is eligible for benefits and the plan maximum duration will apply.

  • Flexible funding options: Employers can select income replacement amounts, varied elimination periods and pre-existing condition limitations.
  • Create a unique solution: Customize details like cost-of-living adjustment and flexible definition of disability.
  • Highly supportive claims service: With a focus on personalized support, employees enjoy a streamlined claims experience, while employers can see reduced administrative concerns through our comprehensive claim management services.

Available services

We can offer education on the disability management process and direct employees to programs such as retraining and educational services, modifications to workplace in anticipation of return to work and Social Security Disability Income filing assistance.

Product features

  • Multiple funding options available
  • Range of coverage amounts, benefit durations and waiting period options

Fully insured

  • All LTD coverage is full insured

Several optional benefits to choose from such as:

  • Cost of Living Adjustment (COLA)
  • Child or Family Member Care Expense Benefit
  • Flexible Definition of Disability
  • Work Incentive
  • Medical or COBRA Premium Disability Benefit
  • Survivor Benefit 

The claims process

  • Claimant has direct access to a designated claims team
  • After submitting a claim, claimant may be contacted by a case specialist if additional documentation is needed
  • Claimants can receive claim payments via direct deposit

Administrative support

  • We refer claimants to additional employer-offered programs, such as wellness, disease management or employee assistance as appropriate

 

Ready to learn more?

Contact your broker or Voya representative today.

Voya Employee Benefits-offered Short Term and/or Long Term Disability Income Insurance must be purchased in order for leave management services to be offered.

Voya Leave Management services are provided in part by Disability Reinsurance Management Services, Inc.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Disability Income Insurance is underwritten 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. Voya Employee Benefits is a division of both companies. Policy form HP08GP, HP13GP, HP08GPNY, RL-STD-POL-20 or RL-STD-POL-19. Form numbers, product availability and specific provisions may vary by state.

This is a summary of benefits only. A complete description of coverage will be provided in the plan documents. ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY), members of the Voya® family of companies, provides only administrative services for self-funded short term disability income plans

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