Voya Employee Benefits Resource Center

Peralta Community College District

Long Term Disability Income Insurance

Group Name: Peralta Community College District
Group Number: 670944

Replace a portion of your paycheck when you can't work when you're injured or ill.

Becoming disabled can impact your finances and quality of life. If you experience an eligible illness or injury that leaves you unable to work, Long Term Disability Income insurance can help. It provides you with benefits to replace a part of your paycheck when you can’t work because of a sickness or injury. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period. Benefits are then paid for the duration of your medical condition to the maximum duration allowed by your employer’s plan or until you reach Social Security Normal Retirement Age.

Additional services included:
Voya Cares®

Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies. 

We are committed to being a leader in making a positive difference in the lives of individuals with special needs and disabilities - as well as their families, caregivers and other providers - by offering a depth of resources focused on education, planning and solutions through its Voya Cares® program.

Certificates
Review this document for a complete overview of benefits

Certificate of Coverage and Riders

What is Group Long Term Disability Income Insurance?

Group Long Term Disability Income Insurance provides you with benefits to replace a part of your paycheck when you can’t work because of a sickness or injury. You may need to meet certain conditions to be eligible for benefits, such as completing a waiting period. Generally, Long Term Disability benefits begin once you have exhausted your Short Term Disability benefits, if applicable. Benefits are then paid for the duration of your medical condition to the maximum duration allowed by your employer’s plan or until you reach Social Security Normal Retirement Age.

How can Long Term Disability benefits be used?

When your claim is approved, you will receive monthly benefits to replace part of your income based on your coverage level. You may use this money however you would like. Below are a few examples of how your Long Term Disability benefits could be used, depending on how much coverage you have:

  • Rent or mortgage payment
  • Groceries and utilities
  • Medical bills and recovery expenses

Why should I enroll through my employer?

  • Insurance premiums are simply deducted from your paycheck.
  • We will waive your premiums while you are receiving benefits from us.
  • The cost of Long Term Disability Income Insurance through your employer is usually much lower than an individual disability policy.

How much does it cost?

The monthly cost of Long Term Disability Income Insurance varies based on the amount of coverage and sometimes your age. Your monthly premiums could be less than a tank of gas.

Do I need to provide health information?

Generally, if you enroll when first eligible for coverage, you will not have to provide any health information. If you enroll for coverage after the initial offer, you may need to provide us with health information on a form called "Evidence of Insurability." This form includes simple questions about current and past health conditions. We may also request information from treating doctors. If evidence of insurability is required, it must be approved by us before your coverage becomes effective.

This is a summary of benefits only. A complete description of Long Term Disability Income Insurance 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. Long Term Disability Income Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form HP08GP or HP13GP (may vary by state).

Medical bills and loss of income could result in expenses that you might not be prepared for. Long Term Disability Income Insurance can help protect your finances and quality of life.

Example Expenses

Medical expenses $2,000
Mortgage payment $1,500
Other expenses + $600
Total monthly expenses $4,100

Disability benefits
Social Security Disability monthly benefit (if applicable) $1,170
Monthly LTD benefit (60% of normal pay of $7,450, minus Social Security benefit (if applicable)) + $3,300
Monthly benefit amount $4,470

Remaining income for expenses or savings

$370

The amounts shown above are for illustrative purposes only. Actual costs/results may vary.

Need to file a claim?

We can help you get started