Leave Management & Disability

Voya Leave Management

Voya Leave Management is designed to help employers manage the complexity of the leave and accommodations process, offering a people-centered, tech-enabled model that is intended to simplify administration and support the employee’s holistic well-being. Our goal is to deliver faster claims decisions, clearer communication and optimal outcomes for employees.

We aim to accomplish this through direct access to digital tools and guidance from experienced, dedicated and integrated Claim Specialists with low target assigned caseloads. Employers have the potential to realize reduced administrative burden, stronger compliance with applicable leave laws, and improved workforce and productivity effectiveness.

Voya Leave Management provides a holistic core offering with additional administrative services to effectively serve employers and their employees.

Family First

At some point in time, we may find ourselves in the role of caregiver and not even realize the impact it can have on our lives. Through Family First, employees will receive professional, live support to assist them with their caregiving challenges. All Care Experts¹ are licensed professionals — including nurses, social workers, mental health professionals and case/care managers — who are supported by a multi-disciplinary team, which includes physicians and other experienced specialists. Whether an employee is dealing with logistical hurdles, financial worries, family dynamics or needs support with a medical condition, Family First’s Care Experts can help by providing the following:

• Access to licensed and accredited Care Experts and Care Team. This team works with employees in a 1:1 relationship and offers a holistic approach intended to help reduce the challenges of caregiving. Family First assess the specific details of each employee’s caregiving journey and challenges, such as caregiving burnout, and crafts a personalized Care Plan that addresses the intricate and multifaceted needs of both caregivers and care recipients.
• A high-tech digital Care Hub. This technology is designed by caregivers, for caregivers and helps to reduce the tasks that caregivers and care recipients can face. The digital experience includes dynamic views, searchable care, support networks and a Care Library of educational videos and articles.
• Support for the loved ones of the employee. Family First services are also available to the loved ones of the employee who is involved in the caregiving journey.

Goldfinch Health

The Goldfinch Surgery Experience is designed to help your employees make optimal and informed decisions when it comes to preplanned surgery and the recovery that follows.

My Absence Voyage™

A comprehensive, easy-to-use leave planning tool designed to help employees be informed of decisions about their time off. Whether planning their parental, caregiving, or own medical leave, employees can get step-by-step guidance to understand available paid and unpaid benefits, as well as job protections. Some features include:

• Personalized leave plans. Employees will design a leave plan based on their individual needs and circumstances.
• Estimate benefit payments. Employers will plan their absence with an outline of paid benefits available.
• Timeline management. Employees will receive a checklist to help them prepare for each stage of their leave.

Short Term Disability Income Coverage

Our STD Income Coverage can be a part of a benefits program aimed to help fit your organization’s needs and support employees in their time of need. STD pays benefits to replace 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.

Voya’s STD offering is adaptable to most enrollment systems and can be included on virtually any platform or benefits administration system, allowing employees to select their benefits as part of their annual or open enrollment process.

True group product

Designed to integrate enrollment administration to match an employer’s core benefit offerings. Employers receive a single certificate. (ReliaStar Life Insurance Company (Minneapolis, Minnesota) and ReliaStar Life Insurance Company of New York (Woodbury, New York), provide only administrative services for self-funded short term disability income plans.)

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.

Claims management

Employees enjoy a streamlined claims experience, while employers see reduced administrative concerns through our comprehensive claim management services.

Options

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

Fully Insured 

• STD coverage is fully insured

Self-funded

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

Administrative support

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

Spotlight: The Goldfinch Surgery Experience

Surgery can be challenging and can potentially cost both employees and company time and money. That’s why Voya works with Goldfinch Health to offer employees who have fully insured Short Term Disability Income Coverage an enhanced claims management service.

This experience is designed to help employees make optimal and informed decisions when it comes to pre-planned surgery and the recovery that follows.

Long Term Disability

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

Generally, Long Term Disability benefits begin once STD benefits have been exhausted, if applicable. Benefits are then paid for the duration of the employee’s medical condition or until they reach their Social Security Normal Retirement Age. A waiting period may apply before an employee is eligible for benefits and the plan maximum duration will apply.

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

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. 

Options

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

Fully Insured

• All LTD coverage is fully insured

Choose benefits

• 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

Administrative support

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