Employee Benefits

Susan’s Claims 360 Story

Compliance Code
1761383
Employee Benefits Employers
Disclosures & Footnotes

*Names changed.

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.

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.

Employee Benefits
Business Owner
Blake Renaud
Expiration Date

myHealthMoney

Body

Help employees make informed benefit decisions with myHealthMoney. This digital assistant takes an employee’s unique needs into consideration to create a recommendation for medical, dental, vision and supplemental health insurance, as well as contribution guidance for health savings accounts (HSAs) and flexible savings accounts (FSAs).

See how it works:

 

To learn more about myHealthMoney, contact your Voya representative.

Compliance Code
1582781
Employee Benefits Employers Financial Professionals
Disclosures & Footnotes

Voya is making available to you the myHealthMoney software offered by SAVVI Financial, LLC. (“SAVVI”). Voya Financial, the parent company of Voya, and a number of other Voya Financial affiliates, have financial and business relationships with SAVVI which create an incentive for Voya to promote SAVVI’s products and services. You should access and read SAVVI’s Firm Brochure, which contains general information about SAVVI’s business, including conflicts of interest.

Employee Benefits Stocksy_txpcb2639deP1C100_Original_197913.jpg
Business Owner
Kristin Walters
Expiration Date
Short Title
myHealthMoney
Page Type
Product

Voya Claims 360

Compliance Code
1503785
Employee Benefits Employers
Disclosures & Footnotes

*Based on internal claims data from 2020. $126,440 number refers to Accident Insurance claims paid automatically in June-November 2020 using the STD-to-Accident Auto-Pay claims process. Average Accident Insurance benefit amount paid in 2020: $1,100. Average Hospital Confinement Insurance benefit amount paid in 2020: $1,500.

**Covered events and treatment may vary by state and employer's plan.

***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.

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.

Employee Benefits Category_Voya_Claims_360_670x317_1.jpg
Business Owner
Kristin Walters
Expiration Date
Short Title
Voya Claims 360
Page Type
Product

David’s Claims 360 Story

Compliance Code
1512636
Employee Benefits Employers
Disclosures & Footnotes

*Names changed.

**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.

Employee Benefits
Business Owner
Kristin Walters
Expiration Date

Sarah’s Claims 360 Story

Compliance Code
1503786
Employee Benefits Employers
Disclosures & Footnotes

*Names changed.

**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.

Employee Benefits
Business Owner
Kristin Walters
Expiration Date

Group Term and Whole Life Insurance

Body
Mother and father relaxing with their daughter between them.

You need a comprehensive benefits package to attract and retain talented employees. Life insurance can be a great place to start. Choose Voya Employee Benefits for a simple, flexible program that’s full of added value.

With Group Term Life Insurance and Whole Life Insurance offered by Voya Employee Benefits you’ll get:

Superior service and support

Dedicated sales and service professionals will assist you with implementation, and provide marketing materials to help you grow enrollment.

Opportunities to maintain coverage

Coverage doesn’t need to end when employment does. Both Group Term Life and Whole Life offer the ability to continue coverage and pay premiums directly to the insurance company.

Ready to take the next step? Talk to a Voya Employee Benefits representative to start designing your life insurance offering today.

Compliance Code
1316506
Employee Benefits Employers Financial Professionals Employee Benefits Category_Life_Insurance_Benefits665x407.jpg
Business Owner
Kristin Waters
Expiration Date
Page Type
Product

Voya Health™

Body
Mom, dad and boy and girl child running on a beach kicking a soccer ball.

Health Savings and Spending Accounts

Give your employees a powerful way to prepare for upcoming expenses — and get tax benefits at the same time — with Health Savings and Spending Accounts.

Health Savings Accounts help employees prepare for the future by enabling them to set aside pre-tax dollars to pay for medical expenses today and into retirement. The balance rolls over year after year, and can be invested once it reaches a certain threshold.

Flexible Spending Accounts help employees manage current healthcare costs by enabling them to set aside pre-tax dollars to pay for health or dependent care throughout the year. The balance does not roll over; it must be spent before the end of the year.

Commuter Benefit Accounts help employees manage their transit and parking expenses by setting aside pre-tax dollars each month. The unused balance can be carried over month to month.

Compliance Code
1251074
Employee Benefits Employers Financial Professionals
Disclosures & Footnotes

Health Savings and Spending Accounts, including Health Savings Accounts, Flexible Spending Accounts, Commuter Benefits, Health Reimbursement Arrangements, and COBRA Administration offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). Administration services provided by WEX Health, Inc., and Benefit Strategies, LLC.

This highlights some of the benefits of these accounts. If there is a discrepancy between this material and the plan documents, the plan documents will govern. WEX Health, Inc. reserves the right to amend or modify the services at any time.

The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will affect tax savings. None of the information provided should be considered tax or legal advice.

Investments are not FDIC Insured, are not guaranteed by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC), and may lose value. All investing involves risks of fluctuating prices and the uncertainties of return and yield inherent in investing. All security transactions involve substantial risk of loss.

Employee Benefits Category-HSA-670x317.jpg
Business Owner
Kristin Walters
Expiration Date
Short Title
Health Savings and Spending Accounts
Page Type
Product

Voya Health™

Body
Mother And Baby Daughter Use Laptop As Father Prepares Meal; Shutterstock ID 627678074; PO: redownload; Job: redownload; Client: redownload; Other: redownload

Flexible Spending Accounts

Flexible Spending Accounts allow employees to deposit pre-tax dollars into a special account that can be used to pay for eligible expenses all year long. These tax-advantaged accounts are available in three different types:

Health FSA

A Health FSA can help pay for qualified out-of-pocket healthcare expenses like co-pays, coinsurance, deductibles, prescriptions, glasses, dental expenses and more.

Dependent Care FSA

A Dependent Care FSA is used for qualified expenses like daycare or summer camp for kids under age 13, as well as care for adults, and/or care for a child of any age with special needs.

Limited Purpose FSA

A Limited Purpose FSA is designed to allow employees to plan for additional qualified out-of-pocket dental and vision expenses. A Limited Purpose FSA can be paired with an HSA, though is also available as an additional FSA option for those without an HDHP.

Our account solution is centered around three principles:

Easier to Save

From the first time they log into the Voya Health Savings and Spending Accounts Portal to every time they return, employees are welcomed with customized messaging about their specific type of account and the opportunities it provides.

Easier to Spend

Employees spend tax-free dollars on qualified expenses using just one card that is coded with smart card technology. An app allows employees to capture receipts, get reimbursed for out-of-pocket expenses, view account balances, scan UPC codes and more. A secure consumer portal lets employees file claims, get email notifications and manage their account.

Easier to Manage

An employer’s dedicated account representative manages all aspects of their account with industry-leading account administration. Voya offers competitive fees based on our ownership of the value chain, designed to incent savings.

Ready to take the next step? Talk to a Voya Employee Benefits representative to start designing your plan today.

Compliance Code
1251074
Employee Benefits Employers Financial Professionals
Disclosures & Footnotes

Flexible Spending Accounts offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). Administration services provided by WEX Health, Inc., and Benefit Strategies, LLC.

This highlights some of the benefits of a Flexible Spending Account. If there is a discrepancy between this material and the plan documents, the plan documents will govern. WEX Health, Inc., reserves the right to amend or modify the services at any time.

The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will affect tax savings. None of the information provided should be considered tax or legal advice.

Employee Benefits Page-FSA-670x317.jpg
Business Owner
Kristin Walters
Expiration Date
Short Title
Flexible Spending Accounts
Page Type
Product

Disability Income Insurance and Leave Management

Body
Close-up of a mature couple smiling

Insurance that’s built for your business

Protect employees with Disability Income Insurance products while mitigating risk with the right leave management program.

Outstanding service with every claim

Communicating about Disability Income Insurance claims and managing employee leave shouldn’t be a challenge. Voya Employee Benefits offers streamlined claims-handling, timely phone call returns, and more.

Choose one of the options below to learn about Voya’s suite of Disability and Leave Management products.

Compliance Code
1316499
Employee Benefits Employers Financial Professionals Employee Benefits Category- Disability_Leave_Management665x407.jpg
Business Owner
Kristin Walters
Expiration Date
Short Title
Disability Income Insurance and Leave Management
Page Type
Product
Subscribe to Employee Benefits