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Voya Leave Management & Disability Income Coverage
Continuously enhancing our capabilities
We’re here to help with integrated leave and disability management services, as well as standalone Disability Income Coverage to compliment an employer’s benefits offering and support their employees.We’re also evolving our Voya Leave Management and Short Term Disability offerings to enhance the experience for our clients and their employees, delivering a more connected and supportive experience.
Voya Leave Management (VLM)
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.
| Core offering | Additional offerings | |
|---|---|---|
| Federal leave | Family and Medical Leave Act (FMLA) Uniformed Services Employment and Reemployment Rights Act (USERRA) | Federal accommodations
|
| Statutory leave | State unpaid leave laws | Statutory Paid Family Medical Leave (PFML) laws
|
| Company leave | Company-specific leaves (i.e., bereavement, parental/bonding, sabbatical) |
People-centered:
- Events-based claims model
- Integrated Claims Specialists
- Low target caseloads (75 claims maximum)
Customer-focused support model:
- Dedicated Leave Consultants to educate HR
- Employee education support
- Family First Concierge Caregiving, Goldfinch surgery support and Voya Cares® special needs planning
Technology-enhanced experience:
- My Absence Voyage™ leave planning tool for expectant parents
- Intuitive digital portals
- API connectivity with select HRIS platform
Operational excellence:
- Claimant communications crafted for clarity
- Multi-channel communication options
- Roadmap: Supplemental Health and Life Insurance integrated on a single claims platform
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.
Administering your workforce leave program can be complex, and Voya’s leave resources can help. Learn about our solutions to manage the integration of leave into your workforce leave policies and help support employees during their time away from work.
- Paid Family and Medical Leave programs
- Important compliance updates
- Understanding the leave landscape
Visit the Leave Resources Employer Hub
Short Term Disability (STD) Income Coverage
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 (New York, 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.
| Employees | Employers |
|---|---|
| Be prepared for surgery and recovery | Employees get back to work and life in half the time* |
| Questions answered at every step | Prevent your next high-cost claimant |
| Shorten recovery time | Prevent long-term opioid dependency |
| Minimize opioid painkiller use |
Long Term Disability (LTD) Income Insurance
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.
Ready to take the next step?
Contact us today to learn more about our Voya Leave Management and Disability Income Coverage solutions or contact your broker or Voya representative.
1 “Care Expert” is specifically defined as an accredited care professional with at least one of the following advanced certifications:
- Certified Advanced Social Work Case Manager
- Cardiac medicine Certification
- Certified Case Manager
- Certified Social Work Case Manager
Caregiving Concierge services are provided by Family First, Inc. Boston, MA. Provisions and availability of each service may vary by state. Caregiving Concierge services are available in conjunction with our Voya Leave Management product.
Goldfinch Health is not a member of the Voya® family of companies. For self-insured plans, your Voya Sales Representative will refer you to Goldfinch Health directly to see if this is a claims management service you would like to include in your plan at your expense.
My Absence Voyage™ tool is powered by Penguin Benefits®
Voya Cares is not insurance coverage. It is a service offered through the Voya® family of companies.
*As reviewed and validated by an independent organization, Validation Institute, July 2022. Report is available upon request.
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.
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 (New York, 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. Form numbers, product availability and specific provisions may vary by state.
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 (New York, NY), members of the Voya® family of companies, provide only administrative services for self-funded short term disability income plans.