David’s Claims 360 Story
Last summer, David* was injured on his way home from work
His injuries — a leg and hip fracture — were the result of an accident, and as a result, he was unable to work for several months. He was enrolled in Voya-offered Short Term Disability Income Insurance, so he filed a claim.
As the team handled his case, they could see that Short Term Disability Insurance wasn’t the only insurance product he was enrolled in. He was also enrolled in Accident Insurance and Hospital Indemnity Insurance.
Anna*, the claims adjustor on David’s case reached out to let him know. “I’m always very happy to be able to deliver this kind of information,” she said. “Normally when I call or talk to people, the news isn’t this exciting. But these calls are the hidden gems because they may not remember they have these coverages.”
David received a $17,275 Accident Insurance benefit payment and a $5,400 Hospital Indemnity Insurance benefit payment for the covered events he experienced
“To be able to say to someone, ‘We’re going to pay the benefits you’re eligible for on the coverages you have, and you don’t even have to set up the claim — I’ve taken care of it,’ is really satisfying,” Anna continued. “Claims integration shows a different side of insurance. And here at Voya, we’re all looking for opportunities like this, every day.”
“There’s a rapport that you build with the customer on cases like this, ones that go across multiple products,” Anna said. “They know you’re looking out for them, trying to make sure they are taken care of. And that’s something I love to be able to do.”
David’s integrated claim process included three insurance products offered by Voya Employee Benefits:
**Medical claims integration is available for Accident Insurance, Critical Illness/Specified Disease Insurance, or Hospital Confinement Indemnity Insurance offered by Voya Employee Benefits. These are not coordinated benefits and medical coverage is not offered by Voya Employee Benefits.
***Formless submissions are currently available for Wellness benefit, Accident Insurance and Hospital Indemnity Insurance claims.
This example is based on an actual 2020 claim that utilized product-to-product claims integration. It is provided for illustrative purposes only. The average Accident Insurance benefit amount paid in 2020 was $1,100. The average Hospital Confinement Indemnity Insurance benefit amount paid in 2020 was $1,500. Filing a claim may require any necessary medical records or proof of claim as determined during the review process.
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.
Insurance products are issued 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. Product availability and specific provisions may vary by state and employer’s plan.