Voya Employee Benefits | COVID-19 Information Center

COVID-19 Information Center
for employees

Like you, the novel coronavirus (COVID-19) pandemic has led all of us at Voya Employee Benefits into an unexpected world of quarantines, closed workplaces, and social distancing. As we adapt to this new environment, one thing remains the same: Our team is here to provide the answers and support you need. Start with the frequently asked questions below. Then, if your question is still unanswered, let us know.

COVID-19 Toolkit

Our Employee Assistance Program provider, ComPsych, has made a digital toolkit available to all Voya Employee Benefits customers. It includes information about novel coronavirus (COVID-19), as well as guidance on how to remain healthy, work effectively from home, and deal with the emotional impacts of the outbreak. If you’d like a ComPsych representative to walk you through this toolkit, call 833‑515‑0759 (Monday-Friday, 8:30 am–5 pm CDT) and identify as calling the Voya General Support and Resources line.

View the toolkit

Info at-a-Glance

Curious if your coverage has a COVID-19 connection? Use this chart to find out:

Critical Illness/Specified Disease Insurance

If your employer elected to include the Infectious Disease benefit in your coverage, and the insured person is diagnosed with an infectious disease (such as COVID-19) and confined in a hospital for a specified number of consecutive days, a benefit may apply.

If your employer did not elect the Infectious Disease benefit, then COVID-19 is not likely to be a covered illness under your Critical Illness/Specified Disease Insurance coverage.

Hospital Indemnity Insurance

If COVID-19 causes confinement to a hospital, critical care unit or rehabilitation facility, Hospital Indemnity Insurance benefits may apply.

Being in quarantine outside of a hospital facility does not qualify.

Accident Insurance

Accident Insurance coverage is related to specific types of covered accidents and injuries. It’s unlikely that an Accident Insurance claim would be related to COVID-19.

Short Term Disability Income Insurance

If you’re ill with COVID-19 and unable to work, you may be eligible for a Short Term Disability Income Insurance benefit.

Being healthy, but unable to work because you’re quarantined isn’t likely to meet the definition of “disability” that’s required for Short Term Disability Income Insurance benefit eligibility.

Health Savings and Spending Accounts

The Coronavirus Aid, Relief and Economic Security (CARES) created changes to Health Savings Accounts, such as expanding what’s covered and extending the deadline to make 2019 contributions. For a full view of how your Health Savings and Spending Accounts may have been affected, log into your account at voya.com/myhealthaccounts

Please note that you can always file a claim if you are insured and feel you are eligible for benefits; a determination will be made through the claims review and based on provisions of your coverage. Please refer to your certificate of insurance and riders for a complete description of benefits, exclusions and limitations.

Remember your annual Wellness Benefit!

If you have Critical Illness/Specified Disease, Hospital Indemnity, and/or Accident Insurance and your coverage includes a Wellness Benefit, then it’s then it’s important to know that COVID-19 testing qualifies as an eligible health screening test regardless of the screening outcome. You’re eligible for one Wellness benefit per year, per enrolled product—and so are your covered family members. An annual total maximum may apply to covered children.

To get started, visit voya.com/claims, scroll down to "Have a Wellness Benefit Claim?" and click “Get Started.” Begin entering your information, and when prompted to identify the screening test, choose "Other" from the drop-down menu. Enter "COVID-19 Screening" in the box, then continue submitting your claim.

Frequently Asked Questions about Claims

If you’re unsure whether you’re eligible for a benefit payment, start by reviewing the frequently asked questions below. Then, take a look at your certificate of coverage and riders, or policy documentation and/or check in with your employer to confirm your coverage eligibility. After that, if you feel like you have experienced a covered event and may be eligible for a benefit payment—or even if you’re still unsure—you are encouraged to submit a claim via the online Voya Claims Center. The claims team will review your claim submission based on the policy provisions and any eligible benefits will be paid. Please note that filing a claim may require any necessary medical records or proof of claim as determined during the review process.

If you are in this situation, and are covered by Voya-offered Life Insurance, Disability Income Insurance and/or Supplemental Health Insurance (Accident Insurance, Critical Illness/Specified Disease Insurance, and/or Hospital Indemnity Insurance) you are likely to remain eligible for coverage under the policy. Premium payment is still required, subject to the premium grace period. (While this continuation applies to most Voya-offered plans, some offer different continuation options, so it is important to check the contract provisions offered by your employer’s plan.) We appreciate your patience as we equip employers to communicate the details of this continuation to their employees. Contact your employer for more information; you may also return to this site for updates as they become available.

If you’ve been furloughed, it’s considered an approved leave of absence, which means you are still eligible for coverage as stated in the group policy. However it’s important to note that premium payments are still required. Your employer is responsible for determining how they’d like to handle the employee portion of premiums, and have been offered an extended premium grace period to help. They will let you know your next steps; your employer may choose to collect premium payments when you return to work, or they may offer another alternative. We appreciate your patience as we work to ensure all employers are aware of the options available due to COVID-19. We will also continue to provide updates through this site as they become available.

If a layoff becomes permanent and you are no longer eligible for coverage under the group policy, there may be a provision that allows for “portability” (continuation of your Supplemental Health Insurance or Group Term Life Insurance) and/or “conversion” (converting your Group Term Life Insurance policy into an Individual Whole Life Insurance policy). Most Group Term Life is a guaranteed-issue product so you won’t be required to answer health questions to be eligible for portability; however, some policies may provide the option to answer limited health questions in order to receive preferred rates. Converting Group Term Life Insurance into an individual Whole Life Policy does not require health questions. When you choose to continue your coverage, you will pay your premiums directly to the insurance company. More information will be sent to you if your current coverage includes portability and/or conversion options.

We’re currently allowing extended premium grace periods for the greater of 90 days, the grace period stated in the group policy or the length of time of your state’s specific guidance. We are also exploring payment plan options for those who are experiencing financial challenges caused by COVID-19. If your premium payment lapses, more information about next steps will arrive along with your overdue payment notification. Use the contact information provided in that letter to learn more.

  • HSAs: The money in your account is yours and you can continue to use your account and your debit card as you did before. You can update your election at any time with your employer, including suspending contributions. If you are not receiving pay while on furlough, you can separately contribute to your HSA (e.g., directly from another bank account), if you are still enrolled in a qualified High Deductible Health Plan.
  • FSAs (Health FSA, Limited Purpose FSA, Dependent Care FSA): Your account will remain active, though you may not be able to file new claims incurred during your furlough status, depending on your employer's rules. You may be able to update your election, when you enter your furlough status, depending on your employer’s rules.
  • Commuter Benefits: Your account will remain active, but you cannot continue to use your commuter accounts while on furlough. You can generally change your Commuter Benefits election each month. You would update your election with your employer.

For more information about your HSA/FSA and COVID-19, log into your account here:
www.voya.com/myhealthaccounts

  • HSAs: The money in your account is yours and you can continue to use your account and your debit card as you did before. You can continue contributing to the account only if you are enrolled in a qualified High Deductible Health plan.
  • FSAs (Health FSA, Limited Purpose FSA, Dependent Care FSA) and Commuter Benefits: You will have up to 90 days from your date of termination to file claims that were incurred while you were employed; check with your employer for specific rules. Claims incurred after your date of termination are not eligible. You will need to file a manual claim through the consumer portal as your debit card will be shut-off after your date of termination. After the run-out period, any money left unused will be returned to your employer unless you are eligible for COBRA and choose continuation of your FSA.

For more information about your HSA/FSA and COVID-19, log into your account here:
www.voya.com/myhealthaccounts

Visit the Contact Us section of the Voya Claims Center to learn more.

From the Voya blog

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Focusing on your financial goals and timeline during COVID-19

5 tips for budgeting with an irregular income

CARES Act offers economic relief to employees and individuals

8 smart things to do with your money in the time you would have spent commuting

5 actions to help you navigate today and keep saving for your best life

Additional Resources

Voya Cares®: COVID-19 Tips for the Special Needs and Disabilities Community Voya Claims Center Voya Market Volatility Resource Center