Voya Long Term Disability Insurance

This page provides information on the employer paid Voya Long Term Disability (LTD) Insurance benefit.

Long term disability (LTD) coverage pays you a percentage of your income if you cannot work due to an injury or illness preventing you from performing your job functions over a long time. The County offers voluntary long term disability insurance to any employee that does not receive employer paid long term disability insurance.

  • Long term disability benefits typically begin after short term disability benefits end
  • Vocational rehabilitation services are available to assist you in returning to work when possible
  • While you are receiving benefits from Voya, they may waive some insurance premiums
  • It is important to know that benefits are reduced by income from other sources like workers' compensation and Social Security.
  •  If you leave your job, you may be eligible to convert your long-term disability coverage and take the policy with you

Voluntary Long Term Disability (LTD)

All County employees are eligible to participate except for employees that are covered by another long term disability policy. Eligibility varies by bargaining unit. This is an employee paid benefit. Disability premiums are calculated based on your age and salary and will change throughout your coverage.

This benefit will only be displayed for enrollment if you are eligible. Employees can enroll without providing an evidence of insurability (EOI) form if they apply within 31 days of first becoming eligible. An EOI form will be required for all other enrollees.

When you become disabled, you must complete a waiting period meaning that you are absent from work due to the same disability for 360 consecutive days before benefits are payable. Any days that you are able to work after the start of your disability will not count towards your elimination period. See the plan document for all details.

Voluntary Long Term Disability (LTD) - Employee Paid
Monthly Benefit Amount Plan pays 60% covered monthly earnings
Maximum Monthly Benefit $10,000
Minimum Monthly Benefit $100 / 10%
Waiting Period: Accident or Sickness 360 days of disability
Maximum Payment Period Social Security Normal Retirement Age
Survivor Benefit 3 months gross monthly benefit

Employer Paid LTD

The County provides employees in select Bargaining Units with employer paid Long Term Disability insurance. When you become disabled, you must complete a waiting period meaning that you are absent from work due to the same disability for 90 consecutive days before benefits are payable. Any days that you are able to work after the start of your disability will not count towards your elimination period. You may be eligible for Short Term Disability payments during this time if you enroll in Voya’s Voluntary Short Term Disability plan, which is employee paid. See the plan document for all details.

Employer Paid Long Term Disability (LTD)
Monthly Benefit Amount Plan pays 66 2/3% of monthly earnings
Maximum Monthly Income Benefit $10,000
Minimum Monthly Income Benefit $50
Waiting Period 90 days of disability

Contact Information

Phone: 800-955-7736
Website: www.voya.com
Group Name: PRISM Health
Group Number: 316407
Account: 37 – County of San Luis Obispo

For instructions on how to submit an Evidence of Insurability (EOI) form, please visit the EOI Form Instructions webpage.

Reference

Voluntary Disability Insurance Enrollment At A Glance
Voluntary Long Term Plan Document
Voya Claims Submission Process
Voya Evidence of Insurability

FAQs